How to Freeze Your Credit | Capital One

To freeze your credit, you ’ ll need to contact each of the three major credit agency : Equifax®, Experian® and TransUnion® .
Each chest of drawers has its own process, but be prepared to parcel some personal data, such as your Social Security number ( SSN ) and birthdate. You ’ ll besides have to verify yourself. That might mean providing copies of personal documents, such as a driver ’ sulfur license and a bank instruction .
Each chest of drawers lets you freeze your credit on-line. It ’ s a bang-up choice because you can besides promptly unfreeze your account that way. But they besides have telephone and mail options, which you might need if you ’ re freezing the credit of person else .
You can visit each agency ’ mho web site for the latest information. But here are some basics about each agency to get you started :

How to Freeze Your Credit With Equifax

here ’ s how Equifax says you can freeze your credit :

  • Online: Start by creating your own Equifax account. Once your freeze is placed, you can also use the account to temporarily lift or permanently remove it.
  • Phone: Call 888-298-0045 and follow the automated prompts. To verify your identity, you’ll be required to answer questions based on information in your credit report. You can also choose to have a one-time PIN sent by text message.
  • Mail: Print and fill out Equifax’s security freeze request form. The form also notes the copies of personal documents you’ll need to provide to verify your address and identity. Once you have everything together, mail it all to:
    • Equifax Information Services LLC
      P.O. Box 105788
      Atlanta, GA 30348-5788

How to Freeze Your Credit With Experian

hera ’ s how Experian says you can freeze your credit :

  • Online: Placing an online freeze with Experian starts with providing some personal information. You’ll also be asked to create a personal PIN used to manage your account. You can also choose to have a random number assigned to you. The PIN is important for managing your freeze, so be sure to keep track of it.
  • Phone: Call 888-397-3742 to place a freeze by phone. Follow the prompts from there. You’ll be required to provide your SSN to get started.
  • Mail: Experian has specific directions about requesting a credit freeze by mail. The company says your letter should include your full name, middle initial and generation if you’re a junior or senior. You also need to include your SSN, birthdate and complete addresses for the past two years. Supporting documents include a copy of a government-issued ID—such as a driver’s license—and a copy of a utility bill, bank statement or insurance statement. You can mail your request to:
    • Experian Security Freeze
      P.O. Box 9554
      Allen, TX 75013

How to Freeze Your Credit With TransUnion

here ’ s how TransUnion says you can freeze your credit :

  • Online: Create a free account with TransUnion. You’ll be able to use the account to manage your freeze and access other services.
  • Phone: Call 888-909-8872 to place a freeze over the phone. When you call, you’ll have to choose a six-digit PIN.
  • Mail: TransUnion says to include your name, address and SSN in your letter. It also notes you’ll need to choose a six-digit PIN. Mail written requests to:
    • TransUnion
      P.O. Box 160
      Woodlyn, PA 19094

Important Things to Remember About Credit Freezes

first, freezing your credit rating doesn ’ t base you can stop paying off debts. You ’ re still responsible for making at least the minimal payments on all your accounts every calendar month .
moment, placing a freeze won ’ triiodothyronine hurt your ability to build credit with your existing accounts. But it besides won ’ metric ton keep your accredit scores from going down if negative information is reported to the agency.

Freezing your credit might help protect your personal data. But it can besides keep legitimate lenders from accessing your accounts. Every fourth dimension you apply for a loan, you ’ ll need to unfreeze your history so potential lenders can review your credit. That includes applications for recognition cards, car loans and mortgages. You may besides have to unfreeze your credit if a credit check is required to rent an apartment or turn on utilities .
If you know which credit rating chest of drawers a lender will use to review your credit, you may be able to avoid unfreezing at each agency. But that information can be hard to track down .
last, credit freezes are barely one manner you might protect yourself. It might help to learn early dim-witted ways to help prevent identity larceny. You can besides read up on early scams and how to report them .

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Category : How

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