***We will be open to users later this month soon. Stay tuned! ***
Placing a freeze on your credit report is the most effective method to stop identity thieves in their tracks. It’s completely free with all three bureaus and will not affect your credit cards, credit report, or credit score. You can continue using your cards as you were before.
Freezing your credit report means only you can apply for new cards or loans. No one else will be able to do this in your name. It’s like putting a lock on your credit report, and only you have the key. You can unlock (or unfreeze) your credit report at any time. For example, you may want to open a new credit card. You can temporarily lift the freeze to do so, then refreeze your credit report again after.
Federal legislation requires credit-reporting agencies to offer free credit freezes and unfreezes. To freeze your credit report with Experian, TransUnion, and Equifax, try our beta!