Freeze your credit (it is free)

A credit freeze stops anyone, including you, from opening new credit in your name until you lift it. The FTC says it is free to place and lift and does not hurt your credit score. (FTC)

Freeze at all three bureaus

You need to do this at each one. Go straight to these official pages:

Watch out for look-alike sites in search ads. Type the address or use the links above.

Step by step

1. Set aside 20 to 30 minutes. Have your Social Security number, birth date, and address handy.
2. Make an account at each bureau's freeze page and choose "freeze." Each bureau may offer to sell you extra products. You do not need them to freeze.
3. Save your login or PIN for each one in your password manager.
4. Repeat for your spouse or partner. Parents can also freeze a child's credit.

Need a loan or new card later?

Lift the freeze for a short time. The FTC suggests asking the lender which bureau it uses and lifting only that one, then freezing again after. (FTC)

Freeze vs fraud alert

Table facts from the FTC page on credit freezes and fraud alerts.

General information only. Not legal, financial, or security advice, and not a guarantee. Check with the company or agency involved.