How to freeze your credit for free, step by step
A credit freeze is free and stops most new accounts from being opened in your name. It doesn't hurt your score.
1. Freeze at all three bureaus
You have to freeze separately at Equifax, Experian and TransUnion, online or by phone. It's free by federal law. Each bureau will have you make an account or give you a PIN. Keep them somewhere safe.
2. Lift it when you apply
Before you apply for a card, loan or apartment, lift ("thaw") the freeze at the bureau the lender uses, or at all three. You can lift it for a set number of days. Online requests are usually handled quickly.
Freeze vs. fraud alert
A fraud alert tells lenders to check it's really you before opening credit. It's free; place it at one bureau and it tells the other two. An initial alert lasts 1 year, an extended alert (with an identity theft report) 7 years. A freeze is stronger: it blocks access until you lift it.
Freezes for children
Parents and guardians can freeze a child's credit for free too. Each bureau explains what documents it needs.
Questions
Will a freeze stop my current cards from working?
No. Your existing accounts keep working. A freeze only blocks new credit checks.
Does a freeze stop all fraud?
No. It doesn't stop misuse of existing accounts. Keep checking your statements and reports. More from the FTC.
General information, not legal advice. Sources: CFPB, FTC. Checked November 2026.