![]() ![]() Security freezes are also known as credit freezes. You must contact each of the agencies directly to get more report(s). The number of free copies depends on your state. You may get one or more additional free copies of your report. Box 105281, Atlanta, GA 30348-5281.įor Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, Puerto Rico, and Vermont residents: Federal Trade Commission’s (“FTC”) website at to: Annual Credit Report Request Service, P.O. You can also get your Annual Free Credit Report by mailing a completed Annual Credit Report Request Form (on the U.S. To get your Annual Free Credit Report, visit Or call toll free at 1-87. You may get a free copy of your credit report once every 12 months from each of the three agencies listed above. Get free credit reports for any activity you don’t recognize. Watch for incidents of fraud or identity theft. More Stories You Might Enjoy From Clark.The three nationwide credit reporting agencies: Equifaxįree Credit Report. How to Freeze Your Credit With Experian.Just don’t forget to do it with Experian and Equifax, too, or you won’t be fully protected! If you request to lift your credit freeze by mail, you will be required to supply the same types of documentation you provided if you placed the freeze by mail, along with a written request to lift the freeze.įreezing your credit is not a difficult process - especially if you do it online - and it’s mostly the same with all three bureaus.If you choose to call TransUnion to have your freeze lifted, you will be asked for your PIN, but if you don’t have one or remember it you can still unfreeze your credit by answering some challenge questions.If you unfreeze your credit online, you’ll just need to sign in to your account.However, what’s required to unfreeze your credit varies depending on which method you use: This can also be done online, by phone or via the mail. How to Unfreeze Your Credit With TransUnionĪs mentioned earlier, if you need to apply for credit after you place a freeze on your file, you’ll need to lift the freeze. One copy of a utility bill, bank or insurance statement, etc.One copy of a government issued identification card, such as a driver’s license, state ID card, etc.You’ll need to send a written request that includes your name, address and Social Security number to:Īlong with the written request, you should provide the following documents: You can also freeze your credit by mail, but it’s going to involve a little more work. How to Freeze Your Credit With TransUnion by Mail The information you’ll be asked to provide will mirror the information listed above for the online process and you will be issued a Personal Identification Number (PIN) that you can use in the future if you need to unfreeze your credit. The process of freezing your credit by phone is very similar to the process online. How to Freeze Your Credit With TransUnion via the Phone Note that you may need to lift the freeze if you are applying for credit in the future. You can log in to the account if you ever need to lift the freeze either temporarily or permanently. Once you have proven your identity, you will be signed up for a TransUnion account. This is all to ensure that you are actually the one requesting the freeze. You will also likely be asked some questions about prior places of residence and credit accounts you may have or have had in the past. Last four digits of Social Security number.You will need to give TransUnion some information in order to prove your identity. In order to freeze your credit with TransUnion online, you’ll need to head here: How to Freeze Your Credit With TransUnion Online ![]() How to Reach TransUnion to Freeze Your Creditįreezing online is by far the easiest method, so we’ll start with that one. 3 Ways to Place a Freeze on Your Credit With TransUnionĪll three major credit bureaus, TransUnion included, allow you to freeze your credit online, by phone or by regular mail. You’ll also want to be sure to put freezes in place with Experian and Equifax, which you can learn how to do here and here. In this article, we’ll show you how to place a security freeze on your credit with TransUnion. Freezing your credit with all three major credit bureaus is the single most important thing you can do to protect yourself against identity theft and stop criminals from opening lines of credit in your name, according to money expert Clark Howard. ![]()
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