In today’s hyper-connected world, our personal and financial information is more vulnerable than ever. With data breaches and identity theft on the rise, it’s crucial to take proactive measures to protect your credit. One of the most effective ways to safeguard your financial identity is by freezing your credit with the major credit bureaus. This blog post will guide you through the importance of freezing your credit, provide step-by-step instructions on how to do it, and explain how to protect your children’s credit as well.

Why Freeze Your Credit?

Freezing your credit, also known as a security freeze, is one of the most effective ways to prevent unauthorized access to your credit report. When your credit is frozen, creditors cannot access your credit report, which means they cannot approve any new credit applications in your name. This stops identity thieves in their tracks, as they won’t be able to open new credit accounts or take out loans under your identity.

Key reasons to freeze your credit:

  1. Prevent Identity Theft: A credit freeze is one of the strongest defenses against identity thieves who might use your information to open fraudulent accounts.
  2. Cost-Effective Protection: Credit freezes are free, and they do not affect your credit score or prevent you from accessing your credit report.
  3. Control Over Your Credit: You can easily unfreeze your credit when you need to apply for a loan or credit, giving you control over who can access your credit information.

How to Freeze Your Credit: Step-by-Step Instructions

To freeze your credit, you’ll need to contact each of the three major credit bureaus: Equifax, Experian, and TransUnion. Below are the detailed steps for each bureau, including how to set up an account, place a freeze, and temporarily unfreeze your credit when needed.

1. Equifax

Step 1: Create an Account

Step 2: Place a Credit Freeze

  • Once your account is created, log in and navigate to the “Freeze Your Credit” section.
  • Click “Place a Freeze” and follow the prompts to confirm your identity. Once frozen, it will look like the picture below.


  • You’ll receive a confirmation that your credit freeze is active.


Step 3: Temporarily Unfreeze Your Credit

  • Log in to your Equifax account.
  • Under the “Manage Your Freeze” section, select “Temporarily Lift a Freeze.”
  • You can choose to unfreeze for a specific time period or for a specific creditor.


Step 4: Manage Your Freeze

  • You can manage your freeze at any time through your Equifax account, whether you need to temporarily lift it or permanently remove it.

2. Experian

Step 1: Create an Account


Step 2: Place a Credit Freeze

  • After creating your account, log in and select “Add a Credit Freeze.”
  • Follow the prompts to confirm your identity and place the freeze as shot below.
  • You will receive a confirmation email once the freeze is in place.


Step 3: Temporarily Unfreeze Your Credit

  • Log in to your Experian account.
  • Navigate to “Remove or Lift a Freeze.”
  • Choose the option to temporarily lift the freeze for a specific time or for a particular creditor.


Step 4: Manage Your Freeze

  • You can log in to your Experian account anytime to manage your credit freeze settings.

3. TransUnion

Step 1: Create an Account


Step 2: Place a Credit Freeze

  • Once your account is set up, log in and select “Place a Freeze.”
  • Confirm your identity through the prompts provided.
  • You’ll receive confirmation that your credit is frozen similar to the picture below.


Step 3: Temporarily Unfreeze Your Credit

  • Log in to your TransUnion account.
  • Under the “Manage Your Freeze” section, choose “Temporary Lift.”
  • You can unfreeze your credit for a specific date range or for a particular creditor.


Step 4: Manage Your Freeze

  • Like with Equifax and Experian, you can manage your freeze through your online account anytime.

Protecting Credit for Minors, Incapacitated Adults or Spouses

Children are increasingly becoming targets of identity theft because their credit is a blank slate, which criminals can exploit for years before being detected. Freezing your child’s credit is a proactive measure that can prevent fraud before it happens.

Additionally, you may be caring for an adult child, elderly parents or spouses who iare unable to place the credit freeze for themselves. Like minors, these individuals are at greater risk as their credit may not be closely monitored, making them susceptible to fraud.

1. Equifax

Freezing Your Child’s Credit Report FAQ | Equifax

Step 1: Gather Required Documents

  1. To prove your identity, you’ll need one (1) of the following:
    -A copy of your driver’s license or other government-issued identification
    -A copy of your Social Security card
    -A copy of your birth certificate

  2. To prove you are the child’s parent or authorized representative, please provide copies of one (1) of the following pieces of documentation*: 

    -A copy of the child’s birth certificate
    -A copy of a court order
    -A copy of a lawfully executed and valid power of attorney
    -A copy of a foster care certification

    *Note: If requesting freezes for multiple children, you’ll need documentation for each child

  3. To validate the child’s identity, please provide copies of both of the following*:
    -A copy of the child’s Social Security card
    -A copy of the child’s birth certificate

    *Note: If requesting freezes for multiple children, you’ll need documentation for each child

    Step 2: Complete the Request Form

    1. Fill out the Minor Security Freeze Request Form for each child for whom you’re requesting a freeze. (Minor_Freeze.pdf (equifax.com))

    Step 3: Submit Your Request

    1. Mail the request form for your minor dependent(s) and legible copies of the appropriate documentation to Equifax’s dedicated security freeze mailbox at:

      Equifax Information Services LLC
      P.O. Box 105788 
      Atlanta, GA 30348

    Step 4: Manage Your Child’s Freeze

    1. You will receive a confirmation from Equifax to confirm that the freeze has been placed. This will take a minimum of 3 business days.
    2. The freeze remains until you as the guardian remove the freeze or the child takes action, which can be done after their 16th birthday, by setting up a MyExquifax account.

    2. Experian

    Request a Security Freeze for a Minor Child’s Credit Report – Experian

    Step 1: Gather the Required Documents and Information

    1. Documentation Required.
      • Your government-issued ID card
      • A piece of mail that shows your current address—a utility bill or a bank or insurance statement, for example
      • Your child’s birth certificate
      • Your child’s Social Security card
    2. Information you’ll also need:
      • Your full name
      • Your Social Security number
      • Your date of birth
      • A list of all your home addresses for the past two years

    Step 2: Complete the Request Form

    1. Visit Experian’s Child Identity Theft Protection webpage.
    2. Click the tab marked “Add or remove a security freeze for a minor.”
    3. Fill in the form and, under the “Additional information” heading, click the button marked “Place a security freeze on your child’s credit file.”
    4. Click the blue “Print Form” button to create a hard copy of the completed form.


    Step 3: Submit Your Request by Mail

    1. Place the hard copy of the form along with the copies of your ID and your child’s credentials in an envelope and send them to Experian.

    If using U.S. mail, send them to:

    Experian
    P.O. Box 9554
    Allen, TX 75013


    Step 4: Manage Your Child’s Freeze

    1. Experian will put the freeze on the minor’s account within 3 business days of receiving the information.
    1. The freeze remains until you as the guardian remove the freeze or the child takes action, which can be done after their 16th birthday.

    3. TransUnion

    Freeze Support Center | Credit Freeze FAQs | TransUnion

    Step 1: Gather the Required Documents and Information

    1. 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.

    2. Copies of documentation confirming your identity, such as
      • Social Security number or a copy of a Social Security card
      • Certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate
      • Copy of a driver’s license, an identification card issued by the motor vehicle administration, or any other government issued identification

    3. Copies of documentation confirming the identity of the minor/dependent. Information or documentation needs to provide ‘sufficient proof of identification’, such as
      • Social Security number or a copy of a Social Security card
      • Certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate
      • Copy of a driver’s license, an identification card issued by the motor vehicle administration, or any other government issued identification

    Step 2: Complete the Request Form

    1. Make a written request to place a “protected consumer freeze” on the named individual’s file. TransUnion does not appear to provide a form for this request.
    2. Please only send copies of documents, not original documents.

    Send everything here:

    TransUnion
    P.O. Box 380
    Woodlyn, PA 19094

    Step 3: Manage Your Child’s Freeze

    1. To check the status of a child’s credit file with TransUnion use this form: Child Identity Theft Inquiry Form | TransUnion

    Final Thoughts

    Freezing your credit is a simple, yet powerful step to protect yourself and your family from identity theft. It gives you peace of mind knowing that your financial information is secure, and it’s easy to manage whenever you need to apply for new credit. By following these steps, you can ensure that your credit and your children’s credit are protected from potential fraud.

    Remember, staying vigilant and proactive is the best defense against identity theft. Take action today by freezing your credit with Equifax, Experian, and TransUnion.

    For further protection, consider regularly monitoring your credit reports and using identity theft protection services. Protecting your financial future starts with taking control of your credit.