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Credit Freeze

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.

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Credit Freeze vs. Credit Lock

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.

When should I use Freeze?

If you want a free option to make sure no one can access your credit report.

How fast is it?

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.

Will I receive status alerts?

No, a credit freeze won’t send you alerts, but you can log in at any time to see your freeze status.

Is it free?

Yes. You can add or access your Credit Freeze at any time for free on the TransUnion Service Center.

When should I use Lock?

When you want to make sure no one can access your credit report and are interested in additional features to improve credit health.

How fast is it?

Locking or unlocking your credit happens instantly. You can do it through our website or our convenient mobile app.

Will I receive status alerts?

Yes, you’ll receive alerts if someone is trying to pull your credit report or if your credit report changes in a critical way.

Is it free?

It depends. TrueIdentity offers free locking of your TransUnion credit report and alerts. TransUnion Credit Monitoring is a paid subscription that offers locking of your TransUnion and Equifax reports, alerts and additional features. Both offer ID theft insurance.

Get started with Freeze for free through our TransUnion Service Center, where you can:

  • Control who can access your credit information with Credit Freeze
    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.
  • Manage or fix any inaccuracies on your credit report
  • Place Fraud Alerts to protect your identity
  • Add a note to your report around any COVID-19 or other financial considerations
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