![]() Or, call (888) 298-0045 to request a freeze by phone. You can request a credit freeze with Equifax by going to their website and submitting an online form. Here are some ways to freeze your credit with each credit bureau. Each credit bureau allows you to freeze your credit and manage the freeze on its secure official website. Freezing your credit online is completely safe, and free of charge, so long as you’re using the right resource. You’ll need to contact each credit bureau directly and request a credit freeze. A credit freeze doesn’t stop you from using any existing credit you have and creditors will continue to report activity to the credit bureaus.Ĭalculate Your Savings How to Freeze Your Creditįreezing your credit must be done with each of the three major credit bureaus. Credit monitoring companies you’ve hired to keep an eye on your profileįreezing your credit does not hurt or impact your score, and you can continue using your existing credit cards and making payments on your loans.Specific government entities (such as child support agencies).Companies you currently have accounts with. ![]() Only a few companies can see your credit profile during a credit freeze including: With a credit freeze, you probably won’t receive many of these offers. Sometimes, creditors peek at your credit profile to provide you with valid offers or preapprove you for a loan. This also means that creditors can’t perform an official credit check or see your credit profile to approve you for anything either. With a credit freeze, no one can open new accounts in your name. Identity theft is a growing risk as more people are becoming victimized by scammers opening credit cards or taking out loans in their name. This can protect your credit profile from criminals looking to conduct fraudulent activity under your name. See Today's Rates What Is a Credit Freeze?Ī credit freeze blocks access to your credit reports.
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