Lesson · Facts first · Free
Credit freezes — free, fast, and the strongest lock you have
A freeze blocks new accounts in your name at zero cost. If you are not applying for credit, freeze it.
The facts
- 01Since 2018, freezing and unfreezing your credit is free at Equifax, Experian, and TransUnion under federal law (Economic Growth, Regulatory Relief, and Consumer Protection Act) — for adults and for children via parents/guardians.
- 02A freeze does not affect your score, your existing accounts, or your ability to use your current cards. It only stops new creditors from pulling your file.
- 03You must freeze with each bureau separately; each gives you a PIN or online control. Unfreeze takes minutes online — plan around any application you expect to make.
- 04A freeze is stronger than a fraud alert: an alert asks lenders to verify identity, a freeze blocks the pull. Use a freeze after any identity-theft incident as standard practice.
Sources
- FTC — Free credit freezes: https://consumer.ftc.gov/articles/what-know-about-credit-freezes-fraud-alerts
- CFPB — Credit freeze guide: https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/credit-freeze/
Fix it yourself — free
The utilization calculator and the FCRA dispute-letter generator are free on the Credit Center. No signup, nothing to buy.
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Disclaimer: Educational information only — not credit repair, legal, or financial advice. You can always dispute items yourself for free directly with the bureaus.