Freeze Your Credit Report Free

Unless you thaw your credit before you submit a loan application the lender cannot use your credit report or credit score to gauge your qualifications as a borrower.

Freeze your credit report free.

Requests to freeze your credit report must be made in writing and should include your name address date of birth social security number a copy of a valid id proof of address e g a copy of a utility. A credit freeze also does not. Online on the phone in the mail u s. It s absolutely free to freeze and unfreeze your credit and it won t affect your credit score.

A credit freeze does not affect your credit score. In order of ease and speed they are. A credit freeze also known as a security freeze is the best way to help prevent new accounts from being opened in your name. You must freeze your credit report at each credit bureau individually since there s no way to freeze all three credit reports at once.

A credit freeze called a security freeze by credit bureaus protects you from the cost and disruption that can happen when identity thieves attempt to open new accounts in your name. Keep you from opening a new account. Prevent you from getting your free annual credit report. But to open one you ll need to lift the freeze temporarily.