Whats It Like To Freeze Your Credit Report I Had To Find Out

How Long Do Credit Freeze Requests Take?

What You Need to Know About Credit Freezes

A credit freeze prevents lenders from accessing your credit report without your express permission. This can be helpful if you're concerned about identity theft or fraud.

Once you've requested a credit freeze, each bureau must freeze your credit within one business day.

There are three major credit bureaus: Experian, Equifax, and TransUnion. You can submit your request online, by phone, or by mail.

How to Unfreeze Your Credit Report

You can unfreeze your credit report at each of the three bureaus:

• Experian
• TransUnion
• Equifax

There is a small fee to unfreeze your credit report. You can pay the fee online, by phone, or by mail.

Additional Considerations

An extended fraud alert is only available to people who have had their identity stolen.

A credit freeze will not affect your credit score.

You should consider freezing your credit if you're concerned about identity theft or fraud.