If freezing your credit is a better way to protect your identity and the associated credit that goes along with it, how do I freeze my credit?

  • 1
    Very interesting. Of course, the first thing that came to mind was that old trick/cliche of freezing your credit cards in a block of ice. :) – George Marian Dec 9 '10 at 21:49
  • 2
    Yeah, that's cool. – MrChrister Dec 9 '10 at 22:59

Freezing your credit is as simple as contacting each of the credit bureaus via their websites and asking for a freeze. Remember, don't get monitoring or a credit alert, get a credit freeze.

Depending on the state you live in, there will be a charge to freeze and unfreeze your credit. You will need to unfreeze your credit before you apply for a loan or anything else that somebody would access your credit report for. While you can possibly spend up to $10 per incident, this is probably worth it.

You will be given a secret key that you can use to unfreeze your credit, so store that in a safe place so you don't forget.

If you have a police report from a case of identity theft, you can do the freezing and unfreezing for free.



Your Answer

By clicking “Post Your Answer”, you agree to our terms of service, privacy policy and cookie policy

Not the answer you're looking for? Browse other questions tagged or ask your own question.