How to Get a Free Credit Report Freeze
Placing a freeze on your credit report is now free for everyone in the United States. On September 21, 2018, a new nationwide law made it free for you to freeze, thaw or unfreeze your credit report. A credit freeze is designed to prevent credit from being approved in your name. Previously, fees varied by state for adding and removing a credit freeze.
What Is a Credit Freeze?
A credit freeze, also known as a security freeze, can help protect you from fraud and identity theft. Once a freeze is placed on your credit report, no one can get access to your credit file unless you lift the freeze using the personal identification number (PIN) given to you.
This restricted access also means that you need to lift your freeze for lenders and other companies to get access to your credit report, such as a credit card provider, insurance company, cell phone provider or even a potential employer that uses employment reports for background screening.
How Can I Place a Free Credit Freeze?
Each of the three Credit Bureaus have different instructions. Here are links to each: