Place a Credit Freeze

Everyone in the United States has the ability to place a freeze on an existing credit report at no cost, regardless of the reason. Credit freezes restrict access to your credit report and assist with preventing new lines of credit from being opened in your name.

If you need access to your credit once you have placed a credit freeze, you will need to go through the necessary steps to lift the freeze and place the freeze again once it has been lifted. If you need to temporarily grant access to your credit report for a specific company (e.g., for a job or a specific creditor), you can thaw your credit by contacting each credit reporting agency (CRA).

Existing creditors will still have access to your credit report, regardless of the placement of a credit freeze.

In order to place, thaw or lift a credit freeze, you will need to contact each CRA separately and provide proof of your identity. Keep in mind that when you initially place the credit freeze, you will be issued a PIN by each CRA. It is important to safeguard this PIN for future use. In addition, each CRA requires different information, and the quickest way to request a freeze is typically through each of their websites:

If there is no credit file for a child younger than 16 years old, or a dependent adult, you can request that the CRAs create a credit file and freeze the credit report immediately upon creation, at no cost, to prevent new accounts from being opened in the child’s or dependent adult’s name.

If your child is 16 or 17 years old and does not have a credit report, you will need to continue to monitor his/her credit. Only some states have a law that allows parents of minors that are 16 or 17 years of age to create and freeze a credit report, and these generally are associated with a fee. The National Conference of State Legislatures has a chart that lists each state and the corresponding laws/fees. Please note that most states allow for no fees if the individual requesting a freeze (or his/her parent or legal guardian) can prove he/she is a victim of identity theft.

A credit freeze for a minor or dependent adult cannot be done online, but each CRA has a website link explaining the steps you need to take:

If you have additional questions or concerns you can receive no-cost assistance from the expert advisors at ITRC. Call us toll-free at 888.400.5530 or LiveChat with an expert today.

Related Resources

This information should not be used in lieu of legal advice. Any requests to reproduce this material, other than by individual victims for their own use, should be directed to [email protected].

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