What Is a Credit Freeze?
A credit freeze restricts access to your credit report. When your credit is frozen, lenders cannot pull your credit report to approve new accounts — which means identity thieves cannot open credit cards, loans, or other accounts in your name, even if they have your Social Security number and other personal information.
A credit freeze does not affect your credit score. It does not prevent you from using your existing credit cards or accounts. It does not prevent you from checking your own credit report. It only blocks new lenders from accessing your report.
Since 2018, credit freezes have been free for all consumers under federal law. You can freeze and unfreeze your credit as many times as you need at no cost.
How to Freeze Your Credit at Each Bureau
Also Consider Freezing
Beyond the three major bureaus, some lenders and service providers use other reporting agencies. Consider freezing these as well for more complete protection.
- ChexSystems — freeze your ChexSystems report to prevent fraudulent bank account openings. Visit chexsystems.com.
- NCTUE (National Consumer Telecom & Utilities Exchange) — used by some utility and telecom providers. Visit nctue.com.
- Innovis — a fourth credit bureau used by some lenders. Visit innovis.com/personal/securityFreeze.
Frequently Asked Questions
Does a credit freeze hurt my credit score?
No. A credit freeze has no effect on your credit score. It only restricts new lenders from accessing your report.
Can I still use my existing credit cards?
Yes. A credit freeze does not affect your existing accounts. You can continue to use your current credit cards, loans, and lines of credit normally.
What if I need to apply for new credit?
You can temporarily lift (thaw) your credit freeze online or by phone, usually within minutes. You can lift it for a specific lender or for a specific time period, then refreeze it when you're done.
Do I need to freeze all three bureaus?
Yes. Different lenders use different bureaus. To be fully protected, you should freeze your credit at all three major bureaus — Equifax, Experian, and TransUnion. Consider also freezing ChexSystems and Innovis.
Can I freeze my child's credit?
Yes. Parents and guardians can freeze the credit of children under 16. This is called a protected consumer freeze. Contact each bureau directly for their process, as it requires documentation.
This page provides consumer education only. It is not legal or financial advice. CyberIdentityTheft.com is an independent resource and is not affiliated with Equifax, Experian, TransUnion, or any other credit bureau.