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Freezing your credit is a way to limit most access to your credit file at each of the credit bureaus for free.
Freezing your credit can help keep criminals from opening fraudulent credit accounts in your name.
To freeze your credit, you have to contact each of the credit bureaus, Equifax®, Experian® and TransUnion®, individually.
To freeze your credit, you can visit the online Freeze Center of each credit bureau or call their phone number.
You will need to provide your name, address, birth date, and Social Security number to the bureaus, including Innovis®.
You may need to also provide a copy of tax documents, bank statements, or utility bills as proof of address.
Once a credit freeze is in place, it secures your credit file until you lift the freeze when you're shopping for new credit.
If you're applying with several lenders, you need to lift the freeze at all the credit bureaus by contacting them.
Note that placing a credit freeze won't affect your ability to build credit. You should still pay all bills on time.