![]() ![]() To freeze your credit at Experian, you can visit its online Freeze Center or call 1-888-EXPERIAN (1-88). To speak directly with a human, the customer care number is 1-88. The phone number is 1-80 (1-80 for New York residents). Freezing your credit with EquifaxĬredit freezes with Equifax can be done either on its website or through an automated phone line. You may receive a PIN used to freeze and unfreeze your credit report if needed. ![]() The agencies will typically ask you to provide your name, address, birth date and Social Security number, as well as questions to verify your identity. To freeze your credit, cardmembers will typically need to contact each of the three major credit bureaus - Experian™, Equifax ® and TransUnion ® - and request a credit freeze on each report. Enabling or disabling a credit lock can be done through a dedicated smartphone app or secure website. Credit lockĪ credit lock allows you to lock and unlock your credit report. Credit freeze services are mandated by federal law, can be done at no cost and can take up to 24 hours to take effect. Credit freezeĪdding or lifting a credit freeze requires working with a credit agency. credit lock: What's the difference?Ĭredit freezes and credit locks (when available) are two ways to help block unwanted access to your credit reports, but there are differences. In addition, credit monitoring services may still access your reports and may continue to alert you about any changes or suspicious activity. But this block doesn't necessarily apply to current creditors and debt collectors, who may still have access to your data. When you freeze a credit report, your credit information is typically blocked from access by outside parties indefinitely, until the block is removed. What happens when credit reports are frozen? Alternatively, it may be because you've been made aware of a security breach and want to prevent potential identity theft. This may be because you want to avoid a hard check on your credit report, or it may be a way to keep you from impulsively applying for another credit card. When you freeze your credit, you're effectively keeping other entities from viewing your credit reports, whether they be lenders, service providers, identity thieves or someone else. Pretty much anyone can initiate a credit freeze, and it's helpful to know how to freeze your credit report in case you ever need to. A credit freeze, also known as a security freeze, is something you can do to help prevent unwanted access to your credit reports. ![]()
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