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Freezing Your Credit Report

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A security freeze on a credit report is a process when a person “hides” information on the credit report from lenders and creditors. During a certain time, any of the lending entities can see the credit score and other details about credit history. Some of the law enforcement agencies and other government institutions do have access to the credit report even if a borrower freezes it.

Credit Report

You can freeze credit report in each of the three credit report agencies. You can’t do it at once, you should do it individually in each of three bureaus. The request must be in written form and include:

  • Name and address
  • date of birth
  • social security number
  • copy of a valid id
  • proof of address (e.g. copy of utility bill)
  • payment via check or credit card.

You can send your requests here:

Equifax Security Freeze

P.O. Box 105788

Atlanta, Georgia 30348


Experian Security Freeze

P.O. Box 9554

Allen, TX 75013


TransUnion LLC

P.O. Box 2000

Chester, PA 19022-2000

The conditions in every bureau differ from each other: in some of them, the freezing period ends up within 7 years while in others a borrower can control it.

This option is paid and the price also depends on the policy of the bureau. The fees to freeze, temporary freeze, or unfreeze the credit report can be from $5 to $20.

The detail instructions how to freeze your credit report are on each of the websites of the agencies.