www.experian.com/freeze

 

www.experian.com/freeze

www.experian.com/freeze

www.experian.com/freeze

A security freeze is designed to prevent credit, loans and services from being approved in your name without your consent. However, the alert may delay or interfere with or prohibit the timely approval of any subsequent requests or application you make regarding a new loan, credit, mortgage, insurance, rental housing, employment, investment, license, cellular phone, utilities, digital signature, internet credit card transactions or other services, including extension of credit or services at point of sale.

When you place a security freeze on your file, you will be provided a personal identification number or password to use if you choose to remove the security freeze from your file or authorize the temporary release of your credit report for a specific person or period after the security freeze is in place. If you are actively seeking credit, you should understand that the procedures involved in lifting a security freeze may slow your own application for credit. To provide that authorization, you must contact the reporting agency and provide all the following:

  1. 1. Sufficient identification to verify your identity.
  2. 2. Your personal identification number or password provided by the credit reporting company.
  3. 3. A statement that you choose to remove the security freeze from your file or that you authorize the reporting agency to temporarily release your consumer report. If you authorize the temporary release of your consumer report, you must name the person who is to receive your consumer report or the period for which your consumer report must be available.

A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities.

You should plan ahead and lift a freeze, either completely if you are shopping around, or specifically for a certain creditor, a few days before actually applying for new credit. To find out the specific requirements for placing a security freeze on your credit report according to your state’s laws, please visit our state specific processes page.

Placing a “security freeze” on your credit report prohibits us from releasing any information in your credit report without your express authorization, except to those with whom you have an existing account or a collection agency acting on behalf of the existing account, for purposes of reviewing (account maintenance, monitoring, credit line increases and account upgrades and enhancements) or collecting the account. Your information also may be used for the purposes of prescreening as provided for by the federal Fair Credit Reporting Act, even if a security freeze is on the report.

Before considering placing a freeze on your account, verify that the information on all 3 credit reports is accurate by clicking the button below.