Security Credit Freezes

Prevent new-account fraud

Claim and control your CREDIT REPORTS

Security Credit Freezes

Step 1

Get your credit reports

You can get FREE WEEKLY credit reports from Experian, Equifax and TransUnion. Other credit reporting agencies (CRAs) are required by law to give you at least one free credit report every year.

Step 2

Correct your credit reports

CRAs and information providers are required by law to correct and remove false information contained in your credit report for free.

Step 3

Freeze your credit reports

CRAs are required by law to “freeze”, “thaw”, and “unfreeze your credit reports for free. Federal law prohibits CRAs from selling your “frozen credit reports” to lenders without your consent.

Get Your Free Credit Reports

Nationwide credit reporting agencies EXPERIAN, EQUIFAX, and TRANSUNION permit you to check your credit reports ONCE A WEEK, for free.

You should check your EXPERIAN, EQUIFAX, and TRANSUNION credit reports on a regular basis (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.

Federal law entitles you to at least one free credit report once a year from all other credit reporting agencies (CRAs).

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 “Get Credit Reports” link below.

Correct Your Credit Reports

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.

How to Correct Your Credit Reports

By law, credit reporting agencies and lenders are required to correct and delete false, inaccurate, and incomplete information contained in your credit reports. Just click on the links below to dispute and correct false and incorrect credit report information contained in your major CRA credit reports.

Freeze Your Credit Reports

Federal law allows you to order a free security “credit freeze” on your credit reports. A credit freeze prohibits credit reporting agencies from releasing your credit reports to new lenders without your express authorization. Without access to your credit reports, responsible lenders will not 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 you want to apply for new loans and credit cards. CRAs 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 links below to freeze and unfreeze your credit reports online or by phone with EXPERIAN, EQUIFAX, and TRANSUNION.

Experian - Online Freeze

Call Experian - (888) 397-3742

Equifax - Online Freeze

Call Equifax - (800) 349-9960

TransUnion - Online Freeze

Call TransUnion - (888) 909-8872

Freeze Your Child’s Credit Reports

Federal law allows parents and guardians to order free “security credit freezes” for children under 16 YOA. When you order a child credit freeze, credit reporting agencies are legally required to create and freeze a minor child’s credit file. A child credit freeze prohibits credit reporting agencies from releasing your child’s frozen credit reports to lenders. Without credit report access, responsible lenders will not give criminals fraudulent loans and credit cards using your child’s identity.

Freezing your child’s credit reports is not as easy as freezing your own credit reports. Click on The Secure Dad© Podcast button below to listen to a 7-minute podcast explaining the child credit freeze process for Experian, Equifax, and TransUnion, and to download a free comprehensive guide on “How To Freeze Your Child’s Credit.”

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

Additional Freezes

Not all lenders and other businesses use credit reports from the main three credit reporting agencies. You should consider freezing your credit reports with each of these companies to prevent criminals from getting loans, telephone services, mobile telephone services and products, electrical service, gas service, water service and TV service using your identity.

Innovis

The fourth largest 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.

Innovis - Online Freeze

Call Innovis - (866) 712-4546

For more information about getting your free annual credit report, disputing your report and freezing your report from Innovis,
CLICK HERE.

NCTUE (National Consumer Telecom and Security Exchange)

A specialized credit reporting agency that telephone communication companies, household utility companies, and the TV industry use to get your credit reports and determine whether to provide these services to their applicants.

NCTUE - Online Freeze

Call NCTUE - (866) 349-5355

For more information about getting your free annual credit report, disputing your report and freezing your report from NCTUE,
CLICK HERE.

ChexSystems

A specialized credit reporting agency that financial institutions use for account verification services. ChexSystems collects and reports data on checking account applications, openings, and closures, including reasons for account closure.

ChexSystems - Online Freeze

Call ChexSystems - (800) 428-9623

To request a free copy of your ChexSystems consumer disclosure report, CLICK HERE.
To dispute information in your ChexSystems consumer disclosure report, CLICK HERE.

CFPB List of Consumer Reporting Companies

The Consumer Financial Protection Bureau (CFPB) maintains an annual list of consumer reporting companies.  You can use the CFPB’s list (available HERE) to help you take advantage of your right to review the information in your consumer reports, and dispute possible inaccuracies with companies as needed.

Market areas included in the CFPB list include: nationwide consumer reporting companies, employment screening, tenant screening, check and bank screening, personal property insurance, medical, low income and subprime, supplementary reports (combination of consumer reporting credit with data from public records and ID verification data), utilities, retail and gaming.