Credit Freezes

Nationwide credit reporting agencies Experian, Equifax, and TransUnion permit you to check your credit reports weekly, monthly, or quarterly, for free.

You should check your Experian, Equifax, and TransUnion credit reports regularly (weekly, monthly, or quarterly) whenever you suspect you may be a victim of identity fraud or receive a data breach notification and before you apply for a new loan or credit card.

How to get your credit reports

You can download your free credit reports from Experian, Equifax, and TransUnion at annualcreditreport.com, the only government-authorized source for free credit reports. Just click on the button below.

Innovis is the fourth nationwide credit reporting agency that some lenders use to get your credit reports and determine whether to grant loans or credit cards to their applicants. Like the larger credit bureaus, you may request a copy of your free annual credit report, dispute your report, and freeze your credit from Innovis.

Inspect your credit reports for false or incorrect information; for example, fraudulent new loans and new credit cards that lenders issued to criminals using your stolen identity, and incorrect payment information regarding your existing loans and credit accounts. Credit Reporting Agencies and credit data furnishers are required by law to correct errors.

How to correct your credit reports

You can download your free credit reports from Experian, Equifax, and TransUnion at annualcreditreport.com, the government-authorized source for free credit reports. To correct any information you believe is an error, just click on the appropriate button(s) below. You must contact each credit reporting agency separately.

Federal law allows you to freeze and thaw your credit for free. A credit freeze prohibits credit reporting agencies from releasing your credit information to lenders without your permission. Without access to your credit reports, responsible lenders cannot give criminals fraudulent loans and credit cards in your name.*

How to freeze your credit reports

By law, you have the option to order a credit freeze either online or by phone. The law also allows you to temporarily “unfreeze” your credit reports online or by phone when applying for new loans and credit cards. Credit Reporting Agencies must freeze your credit reports within one business day of your request and unfreeze your credit reports within one hour of your request.

Click on the buttons below to connect with the freeze pages for Experian, Equifax, TransUnion and Innovis.

How to freeze your child’s credit reports

Federal Law allows parents and guardians to freeze and thaw the credit of their children under 16 years of age. Ordinarily, your child will not have a credit file. If one exists, that’s a clear indication that their personal information has been stolen and their identity misused. To prevent your child’s credit from being misused, you may order a credit freeze using a process unique to each credit reporting agency. For more information, use the links below or contact the ITRC.