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A credit freeze stops anyone from opening new accounts in your name. It is one of the best things you can do to protect yourself from identity theft. And it is free. This guide walks you through exactly how to freeze your credit at all three major bureaus in 2026.
What Is a Credit Freeze?
A credit freeze — also called a security freeze — locks your credit file at the credit bureaus. When your credit is frozen, lenders cannot pull your credit report to approve new accounts. This blocks identity thieves from opening credit cards, loans, or other accounts using your personal information.
A freeze does not affect your credit score. It does not stop existing accounts from working. It simply prevents new accounts from being opened without your permission.
Who Should Freeze Their Credit?
Everyone can benefit from a credit freeze. It is especially important if:
- You have been a victim of identity theft or data breach
- Your Social Security number was exposed in a breach
- You do not plan to apply for new credit soon
- You want maximum protection for your children’s credit
How to Freeze Your Credit: Step by Step
You must freeze your credit at all three major bureaus separately. Here is how to do it at each one.
Step 1: Gather Your Information
Before you start, have this information ready:
- Your full legal name
- Current and previous addresses (last 2 years)
- Social Security number
- Date of birth
- A government-issued ID (driver’s license or passport)
Step 2: Freeze at Equifax
Go to the Equifax website and navigate to the security freeze section. Create an account if you do not have one. Submit the freeze request online. You can also call Equifax at 1-888-298-0045 or mail a written request. Online requests are processed immediately.
Step 3: Freeze at Experian
Go to the Experian website and find the credit freeze section. Create an account and submit the freeze online. You can also call 1-888-397-3742. Experian gives you a PIN to use when you want to lift the freeze later. Store this PIN in a safe place.
Step 4: Freeze at TransUnion
Go to the TransUnion website and navigate to the freeze section. Create an account and submit the freeze. You can also call 1-888-909-8872. TransUnion lets you manage freezes through their app as well.
Step 5: Consider Freezing at Other Agencies
The big three are not the only bureaus. For full protection, also freeze your credit at:
- ChexSystems — used by banks when you open a checking account
- Innovis — a smaller bureau used by some lenders
- NCTUE — used by some utility companies
How to Lift a Credit Freeze Temporarily
When you need to apply for new credit, you can lift the freeze temporarily or permanently. Here is how:
- Log into your account at each bureau (or call)
- Choose to lift the freeze temporarily (set a date range) or permanently
- Allow up to an hour for the lift to take effect
- Apply for credit during the open window
- Re-freeze your credit after you are done
Most lenders tell you which bureau they will pull. You only need to lift the freeze at that one bureau — you do not have to unfreeze all three.
Credit Freeze vs Credit Lock: What Is the Difference?
A credit lock works like a freeze but is managed through a bureau’s app or website. It is usually faster to turn on and off. However, a credit freeze is a legal right under federal law. A credit lock is a product the bureaus offer. For maximum protection, use a credit freeze.
Credit Freeze for Children
Children are common targets of identity theft because their clean credit files go unmonitored for years. You can freeze your child’s credit at all three bureaus. Each bureau has a process for freezing a minor’s credit — you will need to submit identification documents for both you and your child.
Credit Freeze FAQs
Does a credit freeze hurt my credit score?
No. A credit freeze has no effect on your credit score. It does not appear on your credit report as a negative item.
Is a credit freeze permanent?
A freeze stays in place until you remove it. There is no expiration date. You can lift it any time you need to apply for credit.
How long does it take to freeze my credit?
Online requests are processed immediately. Phone or mail requests may take up to three business days. Lifts take up to one hour.
Does a credit freeze stop existing creditors from accessing my file?
No. Existing creditors — like your current credit card company — can still access your file. The freeze only blocks new inquiries from lenders you have not already done business with.
What if I forget my PIN?
Each bureau has a process to recover or reset your PIN. You will need to verify your identity. This is why it is important to store your PIN somewhere safe when you first freeze your credit.