How to Freeze Credit Score
## Direct Answer
To freeze your credit score, contact the three major credit reporting agencies (Experian, TransUnion, and Equifax) and request a credit freeze. You can do this online, by phone, or by mail.
## Step-by-Step Guide
1. **Gather required information**: You’ll need to provide your name, address, date of birth, and Social Security number.
2. **Contact each credit bureau**:
* Experian: Visit [www.experian.com](http://www.experian.com) or call 1-866-200-6020.
* TransUnion: Visit [www.transunion.com](http://www.transunion.com) or call 1-800-916-8800.
* Equifax: Visit [www.equifax.com](http://www.equifax.com) or call 1-800-685-5000.
3. **Request a credit freeze**: Follow the prompts to request a credit freeze. You may need to create an account or provide additional information.
4. **Confirm the freeze**: The credit bureau will send you a confirmation letter with a PIN or password. Keep this information safe, as you’ll need it to lift the freeze.
## FAQ
### What is a credit freeze?
A credit freeze prevents lenders from accessing your credit report, making it harder for identity thieves to open new accounts in your name.
### How long does a credit freeze last?
A credit freeze lasts until you request it to be lifted. You can temporarily lift the freeze for a specific creditor or date range.
### Is there a fee to freeze my credit?
In most states, there is no fee to freeze your credit. However, some states may charge a small fee, usually around $10.
### Can I still use credit with a freeze in place?
Yes, a credit freeze only prevents new accounts from being opened. You can still use existing credit cards and loans.
### How do I lift a credit freeze?
Contact the credit bureau that initiated the freeze and provide your PIN or password. You can lift the freeze online, by phone, or by mail.
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