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CREDIT FREEZE
A credit freeze, also known as a security freeze, is the best way to help
prevent new accounts from being opened in your name. It’s absolutely free to
freeze and unfreeze your credit, and it won’t affect your credit score.
Add a Freeze
UnFreeze
Need to Manage Your PIN?
WHEN YOU USE A CREDIT FREEZE,
YOU’RE IN CONTROL OF WHO CAN ACCESS YOUR CREDIT INFORMATION AND WHEN.
It’s always free, easy and a great way to protect yourself from identity theft.
FREEZE AT ANY TIME
Add a freeze any time for no charge. It won’t affect your credit score. Think of
it as an extra layer of security for your credit report.
Enroll Now
ALLOW ACCESS TO LENDERS
You have the power to remove or temporarily lift a freeze for a set amount of
time when you’re ready to apply for new credit.
Log In
FREEZE A LOVED ONE’S CREDIT
Protect your loved ones. Request a freeze for a minor, spouse, parent, or a
deceased relative.
Learn More
NO IMPACT TO CREDIT SCORE
Can’t remember if you froze your credit? No problem. You can check your freeze
status at any time.
Log In
CREDIT FREEZE VS. CREDIT LOCK
Trying to decide which is right for you? Credit freezes and credit locks both
block access to your credit report, keeping new accounts from being opened in
your name. But they are not the same thing and there are a few differences that
you should understand.
* Credit Freeze
* Credit Lock
WHEN SHOULD I USE FREEZE?
If you want a free option to make sure no one can access your credit report.
HOW FAST IS IT?
Adding or removing a credit freeze often happens in real time, but to be on the
safe side, allow up to one hour for it to go into effect.
WILL I RECEIVE STATUS ALERTS?
No, a credit freeze won’t send you alerts, but you can log in at any time to see
your freeze status.
IS IT FREE?
Yes. You can add or access your Credit Freeze at any time for free on the
TransUnion Service Center.
WHEN SHOULD I USE LOCK?
When you want to make sure no one can access your credit report and are
interested in additional features to improve credit health.
HOW FAST IS IT?
Locking or unlocking your credit happens instantly. You can do it through our
website or our convenient mobile app.
WILL I RECEIVE STATUS ALERTS?
Yes, you’ll receive alerts if someone is trying to pull your credit report or if
your credit report changes in a critical way.
IS IT FREE?
It depends. TrueIdentity offers free locking of your TransUnion credit report
and alerts. TransUnion Credit Monitoring is a paid subscription that offers
locking of your TransUnion and Equifax reports, alerts and additional features.
Both offer ID theft insurance.
GET STARTED WITH FREEZE FOR FREE THROUGH OUR TRANSUNION SERVICE CENTER, WHERE
YOU CAN:
* Control who can access your credit information with Credit Freeze
Are you applying for credit or has a lender referred you here to lift a
freeze on your TransUnion credit report? You’re in the right place.
* Manage or fix any inaccuracies on your credit report
* Place Fraud Alerts to protect your identity
* Add a note to your report around any COVID-19 or other financial
considerations
Create Your Account For Free
Already have an account? Log In
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INTERESTED IN MORE ID PROTECTION SERVICES FROM TRANSUNION?
LOCK YOUR CREDIT REPORT FOR FREE WITH TRUEIDENTITY
TrueIdentity is a free product that lets you lock your credit report at any time
for no charge.
* Stay informed with unlimited TransUnion credit report access and refreshes
* Instant Alerts sent as soon as TransUnion finds out someone applied for
credit in your name
* Up to $25,000 ID theft insurance coverage
View Subscription Benefits
Sign Up for Free
GET CREDIT LOCKING, INSTANT ALERTS, AND MORE WITH TRANSUNION CREDIT MONITORING
TransUnion Credit Monitoring is a paid subscription that can help you protect
your credit report, manage your data identity, and approach your credit with
confidence.
* Stay informed with daily TransUnion credit report refreshes and 3-bureau
monitoring
* Email alerts sent as soon as TransUnion finds out someone applied for credit
in your name
* CreditCompass™ recommendations based on your credit profile to help you point
your score in the right direction
* Up to $1,000,000 ID theft insurance coverage
* WHAT YOU NEED TO KNOW:
There are various types of credit scores, and lenders use a variety of
different types of credit scores to make lending decisions. The credit score
you receive is based on the VantageScore 3.0 model and may not be the credit
score model used by your lender.
Subscription price is $24.95 per month (plus tax where applicable).
View Subscription Benefits
Enroll Today for $24.95/month
YOU HAVE QUESTIONS, WE HAVE ANSWERS.
SEARCH OR BROWSE OUR FAQS BELOW.
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CATEGORIES
* linkTop Freeze FAQS (14)
* linkFreeze My Credit (9)
* linkFreeze A Loved One's Credit (2)
* linkMinor/Child Freeze (18)
* linkLift or Remove an Existing Freeze (4)
* linkManage Pin (2)
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WHAT IS IDENTITY THEFT? AND, HOW CAN I PROTECT MYSELF FROM IDENTITY THEFT?
Identity theft is a serious crime where your personal information—anything from
your name, your driver’s license, or Social Security Number—has been hijacked by
an imposter in order to commit fraud in your name. You’re the first line of
defense when it comes to protecting your identity. Check your credit reports and
financial accounts regularly for any suspicious activity. You can get your
credit report here for free, once a year, from all three bureaus. Set up
transaction alerts if your bank offers them to notify you of all account
activity. Finally, consider adding some extra armor like a fraud alert or credit
freeze. For more information, check out our Identity Theft web page.
WHAT IS A CREDIT REPORT?
Your credit report is a record of your credit activity and credit history. It’s
a journal of your financial past and is a part of your story. It includes the
names of companies that have extended you credit and/or loans, as well as the
credit limits and loan amounts. Your payment history is also part of this
record. If you have delinquent accounts, bankruptcies, foreclosures or lawsuits,
these can also be found in your credit report.
WHAT IS A DATA BREACH? HOW DOES A DATA BREACH AFFECT ME?
A data breach occurs when someone’s personal information is stolen or exposed
without their permission. If you are a victim of a data breach consider the
following steps:
* Alert your credit card companies immediately and all financial institutions;
the bank can freeze your accounts and help prevent them from being drained.
* Cancel your credit cards right away if the bank doesn’t do so automatically.
* Monitor financial and online accounts for suspicious activity. Your email or
Facebook accounts, for example, may have also been compromised.
* Change your passwords across the board. Password 123 won’t cut it.
Additionally, keep an eye on your credit reports to ensure that your credit
is not being affected by fraudulent activity.
SHOULD I FREEZE MY CREDIT?
The choice is yours. If you are concerned about data breaches or just want to be
proactive in protecting yourself, a credit freeze could be the right option.
WHAT IS A CREDIT FREEZE?
A credit freeze prevents lenders from checking your credit in order to open a
new account. Think of it as having a padlock on your credit report. Remember, if
you have a freeze you must remove it to apply for credit. We make it easy for
you though, so don’t worry.
WHAT IS A FRAUD ALERT?
A fraud alert (valid for one year) notifies lenders to call you to verify your
identity before extending new credit. This extra step ensures that you are
undoubtedly you, and not an imposter trying to open a new credit account to buy
a new car in your name. Even better, you only need to add the alert with one
bureau and they’ll notify the other two. The best part? It won’t cost you a
dime.
WHY WOULD I NEED A CREDIT FREEZE OR FRAUD ALERT?
These powerful tools can help you steer clear of identity theft or prevent
history from repeating itself if you’ve already fallen victim. They offer added
protection, making it more difficult for anyone, including fraudsters, to apply
for credit using your info.
Think of a freeze or fraud alert like a fortress for your personal data. They
strengthen your defense but aren’t impenetrable, so it’s still important to
regularly monitor your credit.
DOES A CREDIT FREEZE OR FRAUD ALERT AFFECT MY CREDIT SCORE?
A freeze or fraud alert will not affect your credit score, so go ahead and apply
for that loan (just be sure to remove the freeze before you do). Get your dream
apartment with the marble countertops.
WHAT IS THE DIFFERENCE BETWEEN A FRAUD ALERT AND CREDIT FREEZE?
A fraud alert notifies lenders to call you to verify your identity before
extending new credit, but it does not block access to your credit report. A
credit freeze blocks access to your credit report if anyone tries to open a new
account.
HOW LONG DOES IT TAKE MY FREEZE/FREEZE REMOVAL TO GO INTO EFFECT WHEN I PLACE IT
ONLINE OR BY PHONE?
For the most part, freezes or freeze removals occur in real time. To be on the
safe side, allow up to one hour, especially if you will be shopping for credit.
WHAT IS THE DIFFERENCE BETWEEN A CREDIT FREEZE, TRUEIDENTITY AND TRUEIDENTITY
PREMIUM?
A credit freeze prevents anyone from opening a new account in your name. It is a
great way to control who can access your credit. TrueIdentity and TrueIdentity
Premium are subscription products offered by TransUnion. They also prevent
anyone from accessing your credit report, but they come with extra perks such as
instant alerts and identity theft insurance. Read more here.
CAN I STILL APPLY FOR CREDIT IF I HAVE A FREEZE?
Not while your credit report is frozen. When you put a freeze on your file, you
put a padlock on it (not literally) and new creditors won’t be able to access
it. You will need to remove your freeze to apply for new credit.
DO CREDIT FREEZES FREEZE MY CREDIT CARD SO I CAN'T BUY THINGS WITH IT?
No. A credit freeze doesn’t affect your credit card. You credit report won’t be
accessible, but that won’t affect your credit card. They are two different
things.
WHY IS THE MYTRANSUNION CREDIT FREEZE APP NO LONGER AVAILABLE?
As always, we care about providing you excellent service, so we’ve focused on
building an improved mobile experience on our website. With our enhanced web
service, you can still freeze and unfreeze your credit, plus access our dispute
center. Easily log in on the web using the same information you used on the app.
IS THERE A FEE FOR A FREEZE? OR IS CREDIT FREEZE FREE?
TransUnion is pleased to offer freezes for free. Freeze removals are also free.
So freeze or remove your freeze as often as you want.
HOW DO I PLACE A FREEZE ON MY CREDIT?
Online: Add Freeze
It’s quickest to place your freeze online. Simply log in or create an account to
easily add your credit freeze.
CAN I PLACE A FREEZE BY PHONE OR MAIL?
Absolutely. If you don’t want to complete your freeze online, see the options
below:
Phone: 888-909-8872888-909-8872
Mail:
Send a written request that includes your name, address and Social Security
number to:
TransUnion
P.O. Box 160
Woodlyn, PA 19094
When you place a freeze by phone or mail, you’ll need to choose a 6-digit PIN to
associate with your credit freeze. Choose something you'll remember but others
might not easily guess. Your PIN needs to be something you didn’t previously
use, it can’t start with a zero or be all zeroes.
WAIT… I’M PRETTY SURE I PAID FOR A FREEZE BEFORE, CAN I HAVE A REFUND?
It’s true, there used to be a fee for a credit freeze under state law. They are
free now which is great news, but no, we won’t be offering refunds. Silver
lining, you won’t have to pay for a freeze ever again.
CAN A COMPANY I ALREADY HAVE A RELATIONSHIP WITH VIEW MY CREDIT REPORT IF I HAVE
A FREEZE PLACED?
Yes. Any company you already have an account with will still be able to access
your credit report regarding the existing account, but they will not be able to
use your credit report to open a new account in your name.
CAN YOU PUT A FREEZE ON EXISTING CREDIT CARDS?
It may sound like a credit freeze would impact your credit cards, but it has
absolutely no effect on credit cards you already own. A freeze prevents your
credit report from being accessed when you (and anyone else) tries to open new
accounts, but you can still use the credit cards you have.
Note: If you’re looking to temporarily prevent charges on the plastic you
currently carry, consult with your credit card issuer.
IF I FREEZE WITH TRANSUNION DO I NEED TO FREEZE WITH THE OTHER BUREAUS?
Yes. You can freeze your TransUnion credit report with us, but to freeze your
other credit reports you must contact each of the other bureaus, specifically
Equifax and Experian. We included their contact info below to make it easy for
you. You’re welcome.
Equifax: P.O. Box 740256, Atlanta, GA, 30374
1-800-685-1111
https://www.freeze.equifax.com
Experian Security Freeze: P.O. Box 9554, Allen, TX 75013
1-888-397-3742
https://www.experian.com/freeze
COULD SOMEONE ACCESS MY CREDIT REPORT EVEN THOUGH I PLACED A FREEZE ON IT?
Yes, but only in certain situations that are allowed by federal law. A freeze
won’t stop someone from checking your credit in order to:
* Underwrite insurance
* Review your account or collection (maintain, monitor, upgrade or enhance your
account, or increase your credit line)
* Provide credit monitoring services you subscribed to
You can find a detailed list of exceptions here.
Note: You have the right to limit "prescreened" offers of credit or insurance
you get based on information in your credit report. If you want to remove your
name and address from prescreen mailing lists obtained from the major credit
reporting agencies — TransUnion, Equifax, Experian and Innovis — click here.
WHAT IS PERMISSIBLE PURPOSE?
Permissible purpose is a reason specified in the law that allows someone to
check your credit report. A credit freeze stops a creditor from accessing your
credit report to open a new account, even though they have permissible purpose.
But if the permissible purpose is to review your credit report to make changes
to an account you already have, a freeze won’t stop that.
CAN I PLACE A FREEZE FOR MY FAMILY MEMBERS?
Yes. Spouses can request freezes for each other by phone at (888) 909-8872, as
long as they pass authentication. You can also request a freeze for someone if
you have a valid Power of Attorney by calling (888) 909-8872.
If you are a parent/guardian/representative you can freeze for a minor 15 and
younger.
CAN I FREEZE A CREDIT REPORT FOR A DECEASED FAMILY MEMBER?
We’re sorry you have to go through this tough time. While you can’t freeze the
credit report of a deceased family member, you can update your family member’s
credit report to show as deceased. This will notify any creditor who attempts to
pull the report that the consumer is deceased. Follow the steps below and we
will help you update your loved one’s credit report and give you peace of mind:
Step One:
Contact all creditors that the deceased person(s) did business with and request
that they mark their files accordingly. Be sure to forward a copy of the death
certificate to them, once you receive it.
Step Two:
Check with the Social Security Administration to ensure that they have updated
their files and notified the credit reporting companies. Refer to the internet
to find the address and phone number of the nearest Social Security office.
Step Three:
Forward a copy of the death certificate to one of the three credit reporting
companies; the receiving bureau will notify the other two companies. This will
allow the credit reporting agencies to add a notation to the credit report that
the consumer is deceased. Along with the death certificate, please include the
person’s legal name, Social Security number, date of birth and date of death.
The letter should also include the name and mailing address for the spouse, plus
a copy of their identification. If the request is from an executor for the
deceased, or someone other than a spouse, we need a copy of identification for
the requestor, plus a copy of the will/executor agreement or Power of Attorney
documentation.
You can mail your information to TransUnion at:
TransUnion
P.O. Box 2000
Chester, PA 19016
HOW DO I FREEZE FOR MY MINOR CHILD?
If you are a parent or guardian of a minor and would like to freeze their credit
report, we can help. Here's what you'll need to provide.
1. A written request to place a “protected consumer freeze” on the named
individual’s file
2. AND a copy of one piece of documentation that provides ‘sufficient proof of
authority’ that you have authority to act on behalf of the minor or
dependent such as:
* an order issued by a court of law
* a lawfully executed and valid power of attorney
* a document issued by a Federal, State, or local government agency in the
United States showing proof of parentage, including a birth certificate
* with respect to a protected consumer who has been placed in a foster care
setting, a written communication from a county welfare department or its
agent or designee, or a county probation department or its agent or
designee, certifying that the protected consumer is in a foster care
setting under its jurisdiction.
3. AND information or a copy of documentation that provides ‘sufficient proof
of identification’ that you are who you really are, and information or a
copy of documentation that the minor/dependent is who they really are, such
as:
* a Social Security number or a copy of a Social Security card issued by the
Social Security Administration
* a certified or official copy of a birth certificate issued by the entity
authorized to issue the birth certificate
* a copy of a driver’s license, an identification card issued by the motor
vehicle administration, or any other government issued identification
Please only send copies of documents, not original documents.
Send everything here:
TransUnion
P.O. Box 380
Woodlyn, PA 19094
Please note: Consumers are not able to place a protected consumer freeze via
phone or online at this time due to the documentation requirements. We accept
either standard or certified mail.
HOW DOES A CREDIT FILE GET CREATED FOR A MINOR?
Typically, minors do not have credit files. An application for credit, a credit
account, or a public record starts the compilation of a consumer credit file.
Adding the minor as an authorized user to someone’s existing line of credit can
also create a file. Usually all that is needed is a Social Security number.
HOW DO I KNOW IF MY CHILD'S IDENTITY HAS BEEN STOLEN?
Warning signs that might indicate your child’s identity has been stolen can
include, but are not limited to:
* Your child begins to receive suspicious mail, like pre-approved credit cards
and other financial offers normally sent to adults, in his or her own name.
* You try to open a financial account for him or her but find one already
exists, or the application is denied because of a poor credit history.
* A credit file already exists in his or her name. If the child has one, he or
she may have been targeted already, since only an application for credit, a
credit account, or a public record starts the compilation of a consumer
credit file.
HOW DO I CHECK IF A CREDIT FILE EXISTS FOR MY CHILD?
TransUnion would be happy to check our records for a credit file under the
child’s information. If you are interested, please complete the secure online
form using the following link:
http://www.transunion.com/credit-disputes/child-identity-theft-inquiry-form
Sending a request to TransUnion to check for a credit file will NOT create a
credit file.
IF TRANSUNION WAS UNABLE TO LOCATE A CREDIT FILE BASED ON THE INFORMATION I
PROVIDED, DOES THIS MEAN THERE IS NO CREDIT FILE?
Typically, a minor has no established credit or credit history and therefore a
credit file will not exist. TransUnion only maintains credit reports for
individuals that have an existing credit history.
IF TRANSUNION WAS UNABLE TO LOCATE A FILE, DOES THIS MEAN THERE IS NOTHING
REPORTED AGAINST MY CHILD’S SOCIAL SECURITY NUMBER?
This means TransUnion has no existing credit history for your child. However, we
recommend contacting the other Consumer Reporting Agencies as information can
vary.
IF TRANSUNION DID NOT FIND A FILE UNDER MY CHILD’S INFORMATION, DO I NEED TO
CONTACT THE OTHER BUREAUS?
We would recommend that you do. Information varies between Consumer Reporting
Agencies.
WHAT IF TRANSUNION DOES LOCATE A FILE ON MY CHILD?
If a file is located, we can add a Protected Consumer Freeze on the minor’s
credit report. For more information on adding a freeze to your minor child’s
credit report, please visit https://www.transunion.com/credit-freeze. You should
also consider visiting https://identitytheft.gov/ to report the fraud and review
other recommended steps.
SOMEONE STOLE MY MINOR’S INFORMATION AND/ OR USED MY MINOR’S SOCIAL SECURITY
NUMBER TO FILE TAXES AND/ OR OPEN ACCOUNTS, WHAT SHOULD I DO?
TransUnion can assist you by checking our records for a credit file under the
child’s name. Please complete the secure online form using the following link:
https://www.transunion.com/credit-disputes/child-identity-theft-inquiry-form
You should also consider filing an FTC Identity Theft Report at
https://identitytheft.gov/, and contacting the Internal Revenue Service and
Social Security Administration offices.
Internal Revenue Service
Identity Protection Specialized Unit
(800) 908-4490
https://www.irs.gov
Social Security Administration
(800) 772-1213
https://www.ssa.gov
A CREDIT FILE WAS FOUND FOR MY CHILD AND IT CONTAINS ACCOUNTS OR INQUIRIES. HOW
CAN I HAVE THIS INFORMATION REMOVED FROM THEIR FILE?
Please provide TransUnion with a copy of the child’s birth certificate and
Social Security card (if available), along with your dispute listing the
inaccurate items. Once we receive the dispute, we will conduct an investigation.
You may also want to contact the companies listed directly and inform them that
the Social Security number associated with the accounts belongs to a minor.
In addition, you may want to file an FTC Identity Theft Report with
https://identitytheft.gov/. You should provide each company that you contact
with a copy of the report to inform them of identity theft.
I RECEIVED A CREDIT CARD APPLICATION IN THE MAIL FOR MY CHILD; HOW DID THIS
HAPPEN?
Your child may be on a promotional mailing list. Companies purchase mailing
lists from many sources. If you or your child have subscribed to any services in
the child’s name (for example, magazines or airline frequent flyer accounts)
that are not specifically designed for children, their name may have been shared
as part of a mailing list.
CAN I ADD A FRAUD ALERT ON MY MINOR’S SOCIAL SECURITY NUMBER?
TransUnion currently does not offer fraud alert protection for minors. However,
we can offer to place a Protected Consumer Freeze on your minor’s file. For more
information on adding a freeze to your minor child’s credit report, please visit
https://www.transunion.com/credit-freeze.
CAN I ADD A PROTECTED CONSUMER FREEZE ON MY MINOR’S SOCIAL SECURITY NUMBER?
Yes, the Protected Consumer Freeze is applicable to minors 15 or younger in all
50 US States and Puerto Rico. For more information on adding a freeze to your
minor child’s credit report, please visit
https://www.transunion.com/credit-freeze.
IF TRANSUNION DOES NOT LOCATE A CREDIT FILE FOR MY CHILD, CAN I STILL PLACE A
FREEZE?
Yes, you can. For more information on adding a freeze to your minor child’s
credit report, please visit https://www.transunion.com/credit-freeze.
IS A PROTECTED CONSUMER FREEZE A PERMANENT OPTION?
A Protected Consumer Freeze will remain on the minor’s file until the guardian
submits a written request for its removal, or the minor turns 16 at which point
they can request the removal themselves.
WHERE CAN I FIND MORE INFORMATION ON CHILD ID THEFT?
The FTC has helpful information on their website:
https://www.consumer.ftc.gov/articles/0040-child-identity-theft
WHAT IF I’M WORRIED ABOUT THE SAFETY OF MY OWN INFORMATION?
If you are concerned about your personal information and want to take steps to
protect yourself, you can freeze or lock your credit report. More information
can be found here: https://www.transunion.com/credithelp
br>You should also consider visiting https://identitytheft.gov/ to report the
fraud and review other recommended steps.
IF A MINOR/PROTECTED FREEZE IS FOR THOSE 15 YEARS OLD AND YOUNGER, HOW CAN I
FREEZE MY CREDIT IF I AM 16 OR 17?
In you are over the age of 16, but not yet 18, you will need to mail in your
freeze request. Please send us a letter requesting a freeze and include the
following information:
* Your name
* Current address (If you have lived here less than 2 years, provide your
previous address also)
* Your TransUnion file number (if applicable)
* Social Security number
* Date of birth
Our mailing address can be found here.
HOW DO I TEMPORARILY LIFT A FREEZE?
To temporarily lift your freeze, log in to your account online and select
“Temporary Lift Freeze.” Then enter the dates you want the lift to happen.
To make things easy, you can plan and schedule your freeze removal up to 15 days
in advance of when you want it to happen. If you wish to unfreeze more than 15
days from today, please log in closer to the date you want your credit report
unfrozen.
HOW DO I REMOVE A FREEZE?
To remove your freeze, log in to your account online and select “Remove Freeze.”
When you are ready, you can come back and freeze again.
*By removing your Transunion credit freeze, your credit report will be
accessible to lenders.
WHAT IF I NEED TO APPLY FOR CREDIT WHILE MY FREEZE IS ACTIVE?
Not a problem. With a freeze, you’re in control of who gets the scoop on your
finances. Remove or temporarily lift your freeze and start your application.
IS A FREEZE PERMANENT?
You’re in control of how long a freeze stays on your credit report. Your report
will be frozen until you request its removal.
HOW DO I CHANGE MY FREEZE PIN?
Requesting a new PIN is quick and easy online. Log in and follow the prompts to
have your new PIN in a flash.
Your PIN is a 6-digit number that will be associated with your credit freeze.
Choose something you'll remember but others might not easily guess. Your PIN
needs to be something you didn’t previously use, and it can’t start with a zero
or be all zeroes.
WHAT IS THE PIN USED FOR?
PINs are there to add security and make sure it’s really you making changes to
your freeze via phone or mail. You won’t need it to make changes to your freeze
online.
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FEATURED ARTICLES
* What Is the Difference Between a Credit Lock and Credit Freeze?
Read More
* What Should I Do After I Freeze My Credit Report?
Read More
* INFOGRAPHIC: Do You Feel Protected Against Fraud?
Read More
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