How to Protect Your Credit by Restricting Access to Credit Bureaus

Whenever you apply for a credit card or loan, the potential lender checks your credit report. However, you may wish to prevent anyone from accessing your credit reports, especially if you are concerned about possible identity fraud. If you place a "security freeze" on your Equifax, Experian and TransUnion credit reports, virtually no company can immediately access your credit report. You set up a password with each credit bureau, and one of their representatives verifies that you authorized the transaction before releasing your credit file. Remember, each credit reporting agency is a separate operation; you must complete your security freeze request with each company.

Instructions

1

Decide how you want to contact each credit bureau. You can place a security freeze by postal mail or online. Be sure to have your Social Security number handy to complete the process.

2

Visit the security freeze websites for Equifax, Experian and TransUnion if you selected this option. If you prefer postal mail communication, proceed to Step 6.

3

Fill out the online form for each credit reporting agency as prompted. Provide personal information such as your name, current address and date of birth. If you moved in the last two years, you must provide your last two addresses.

4

Select a personal identification number (PIN) or allow the credit bureau to create one on your behalf. Whether you choose a PIN or let the agency select one, be sure to memorize it.

5

Submit the form as directed. You will receive e-mailed and postal mail confirmation.

6

Write a brief letter requesting a security freeze if this is your preferred option. Include your full name, current address, date of birth and Social Security number. Those who have changed residences in the past two years also must provide their last two addresses.

7

Photocopy your driver's license and a utility bill or bank statement. If you reported possible identity theft to law enforcement officials, also make a photocopy of any police reports or court documents.

8

Mail the letter and documents using a traceable form of delivery. The addresses are as follows:
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Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
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Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
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TransUnion Fraud Victim Assistance
P.O.Box 6790
Fullerton, CA 92834

9

Wait to receive a postal mailed confirmation. If you have further questions, contact the credit bureaus at the following numbers: Equifax, (800) 685-1111; Experian, (888) 397-3742; TransUnion, (888) 909-8872.