A credit freeze, also known as a security freeze, is the best way to help prevent new accounts from being opened in your name. It’s absolutely free to freeze and unfreeze your credit, and it won’t affect your credit score.
When you use a credit freeze, you’re in control of who can access your credit information and when. It’s always free, easy and a great way to protect yourself from identity theft.
Trying to decide which is right for you? Credit freezes and credit locks both block access to your credit report, keeping new accounts from being opened in your name. But they are not the same thing and there are a few differences that you should understand.
If you want a free option to block lenders from checking your report in order to open a new account.
Adding or removing a credit freeze often happens in real time, but to be on the safe side, allow up to one hour for it to go into effect.
No, a credit freeze won’t send you alerts, but you can log in at any time to see your freeze status.
When you want to make sure no one can access your credit report and are interested in additional features to improve credit health.
Locking or unlocking your credit happens instantly. You can do it through our website or our convenient mobile app.
Yes, you’ll receive alerts if someone is trying to pull your credit report or if your credit report changes in a critical way.
A Protected Consumer Freeze is a freeze that a parent, guardian or person with a valid power of attorney can place for a minor or incapacitated adult. When a Protected Consumer Freeze is placed, it will remain on a credit file until you request its removal. Aminor can also request its removal themselves once they are 16 years old or older.
To place a Protected Consumer Freeze for a minor or incapacitated adult, mail TransUnion a request with documents proving you have the authority to act on their behalf. A parent or guardian can place a Protected Consumer Freeze for children aged 15 and younger. Learn more about what to provide and where to send everything below.
Typically, minors won’t have a credit file. They might if you’ve added your child as an authorized user on one of your credit accounts. However, if they have a credit report but you never added them as an authorized user, it may be a sign of fraud.
Read our blog to learn more about child identity theft. If you suspect your child’s identity has been compromised, use our secure Child Identity Theft Inquiry Form to find out of a credit file exists in their name.
Are you applying for credit or has a lender referred you here to lift a freeze on your TransUnion credit report? You’re in the right place.