DaveRamseyGuru.com

How do I freeze/thaw my credit?

Below you’ll find instructions and links on initiating a credit freeze or thaw from each credit bureau:EQUIFAX CREDIT FREEZE – [Website]

• Credit freezes may be done online or by certified mail – return receipt requested.
• Check your state’s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
• Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
• If your PIN is late arriving, call 1-888-298-0045. They will ask you for some ID and arrange for your PIN to be sent to you in 4-7 days.
• Unfreeze: Do a temporary thaw of your Equifax credit freeze.

EXPERIAN CREDIT FREEZE – [Website]

• Credit freezes may be done online or by certified mail – return receipt requested.
• Check your state’s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
• Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
• You can also freeze a child’s credit report. The information contained at this link is applicable for all three credit bureaus. You must first write a letter to each bureau to learn if your minor child has a credit report and if so, then you can proceed to freeze it.
• Unfreeze: Do a temporary thaw of your Experian credit freeze.

TRANSUNION CREDIT FREEZE – [Website]

• Credit freezes may be done online, by phone or by certified mail – return receipt requested. (Some users have reported difficulty with the online method. Please try one of the other options if you too experience difficulty.)
• Check your state’s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.
• Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.
• Unfreeze: Do a temporary thaw of your TransUnion credit freeze.