Article

Freezing your credit online

Stephen “Scotty” J. Scott Wealth Planning

Place a separate credit freeze at all three credit reporting agencies [ Experian, Transunion, Equifax ] using the following instructions:

  • Experian  |  
    • Visit www.experian.com/freeze and click Create a free account.
    • Enter your personal information. Click submit
    • Answer security questions to verify your identity.
    • Experian will provide a confirmation letter containing a PIN. 
    • Call 888-397-3742 or visit  www.experian.com/freeze to permanently or temporarily remove the freeze. You will need your Experian PIN to lift the freeze by phone.
  • Transunion  | 
    • Visit www.transunion.com/credit-freeze and click add freeze.
    • Enter your personal information and click submit and continue to step 2.
    • Create a Transunion account by entering a username and password.  Click submit and continue to step 3.
    • Answer security questions to verify your identity.
    • Transunion will provide a confirmation letter containing a PIN. 
    • Call 888-909-8872 or log into your Transunion account at service.transunion.com/dss/login.page to permanently or temporarily remove the freeze. You will need your Transunion PIN to lift the freeze by phone.
  • Equifax  | 
    • Visit www.equifax.com/personal/credit-report-services/ and click place or manage a freeze.
    • Enter your personal information and click continue.
    • Create an Equifax account by entering a username and password.  Click continue.
    • Answer security questions to verify your identity.
    • Equifax will provide a confirmation letter containing a PIN.
    • Call 800-349-9960 or log into your Equifax account at my.equifax.com/membercenter/#/login to permanently or temporarily remove the freeze. You will need your Equifax PIN to lift the freeze by phone.
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