A credit freeze is a proactive way to protect your personal information. Lenders and others including (depending on your state’s law) landlords and employers will be blocked from accessing your TransUnion credit report in response to a new credit application. A credit freeze will stay on your credit report until you contact us to temporarily lift or remove it.
That depends. Credit freezes are a great way to protect your information, but there are additional considerations when placing one. Placing or lifting a credit freeze sometimes involves a fee. If you decide to apply for new credit, you will need to plan ahead and either go online or contact us via phone to lift the freeze and you will need your PIN number to do so. There may be a waiting period for the lift to take effect. If you prefer to be more independent, and want real-time ability to lock and unlock your credit report instantly from your smart phone, then a credit lock may suit you better.
Yes. You can freeze your TransUnion credit report with us, but to freeze your other credit reports you must contact each of the other bureaus, specifically Equifax and Experian.
Freeze my report
Protecting your identity is always a smart thing to do. You have the power to manage the accessibility and security of your own information. Start with the 5 steps below:
Step 1: Be on alert
Step 2: Monitor your credit reports
Step 3: Monitor your financial accounts
Step 4: Initiate a fraud alert
Step 5: Lock your credit report with TrueIdentity