A security freeze generally restricts access to your credit report by many potential new creditors. It can make it harder for someone to open a new account in your name. It does not fix inaccurate information or stop misuse of existing accounts.
When to consider one
If your personal information has been exposed or you suspect identity theft, a freeze can be one part of your response. You can also choose a freeze as a preventive measure. Review your existing accounts and reports separately.
Request a freeze with each bureau
Contact Equifax, Experian and TransUnion individually using their official websites or other published methods. A freeze is free. Keep each confirmation and the information you need to manage the freeze securely.
Lift it when you need credit
Before applying for a loan, card or another service that needs your report, find out which bureau the provider will use and temporarily lift the relevant freeze. Plan ahead so the application is not delayed.
See the FTC guide to freezes and fraud alerts ↗ for the current process and differences between these tools.
Sources and review
Based on FTC consumer guidance ↗. Last editorial review: September 2026.