A security freeze is a step you take to prevent credit, loans and services from being opened in your name without your permission. You will need to request a freeze with each of the three credit reporting companies. It is important to know that if you place a security freeze on your credit report, businesses will not be able to obtain a copy of your report in connection with any new applications for credit. Before you apply for new credit, you will need to temporarily lift the security freeze following the procedures from the credit reporting company where you placed the freeze.
The process to place a security freeze requires that you directly contact each of the credit reporting companies. You can do so online or through the mail.
Types of information you should be prepared with:
Additional information from each of the credit reporting agencies can be found using the below links:
When you request your security freeze, you will be given a personal identification number or password. To remove the security freeze, temporarily or permanently, contact the credit reporting company where you placed the freeze and provide that personal identification number or password. You can request to remove the freeze for a period of time or to permanently remove the freeze.
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