How to Freeze Criminals Out of your Credit Report… AND ITS FREE!

How to Freeze Criminals Out of your Credit Report… AND ITS FREE!

Step 1:  Gather Your Social Security number, birth date, and past addresses.  Be familiar with recent borrowing.  You may be asked, for instance, about your mortgage balance.

Step 2:  Label a physical file folder, “Create Freeze.”  You will need to store important information in this folder in the event you want to unfreeze and refreeze your credit.

Step 3:  Call or go to one of the three main credit bureaus’ websites (below).  If you’re asked to create an account, write down your username and password.  Add it to your folder.

Step 4:  To verify your identity, you will need to furnish your past and present addresses (and maybe other personal info).

Step 5: You will receive or create a PIN.  Make sure you write this down and add it to your folder.

Step 6:  Repeat this process with the other two credit bureaus.  When done, put your folder in  a secure place.

Contact Info to Freeze Your Credit Report

  • Equifax: com · 800-685-1111 · (if in NY) 800-349-9960
  • Experian: com · 888-397-3742
  • TransUnion: com · 888-909-8872

This information is provided by the AARP Fraud Watch Network.  If you have been targeted by a scam, call the AARP Fraud Network Helpline at 1-877-908-3360.