Equifax – How to Freeze Your Credit

As we talked about in an earlier blog post, there are 5 things you should do right now to limit your risk from the EquiFax hack.  It seems that I left out next steps for the most important thing you should do… Freeze your Credit.

I read a wonderful article by Clark Howard that breaks down what a Credit Freeze is, why you should or should not do it, and how to make it happen.  You can read his full article here.

Here is the important information for you to know.

EQUIFAX CREDIT FREEZE

  • Credit freezes may be done online or by certified mail – return receipt requested.

  • Check your state’s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.

  • Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.

  • If your PIN is late arriving, call 1-888-298-0045. They will ask you for some ID and arrange for your PIN to be sent to you in 4-7 days.

  • Unfreeze: Do a temporary thaw of your Equifax credit freeze by snail mail, online or by calling 1-800-685-1111 (N.Y. residents dial 1-800-349-9960).

  • Info on freezing a child’s credit with Equifax can be found here.

  • If requesting a freeze by mail, use the following address:

    • Equifax Security Freeze
      P.O. Box 105788
      Atlanta, GA. 30348

EXPERIAN CREDIT FREEZE

  • Credit freezes may be done online; by certified mail – return receipt requested; or by calling 1-888-EXPERIAN (1-888-397-3742). When calling, press 2 then follow prompts for security freeze.

  • Check your state’s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.

  • Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.

  • You can also freeze a child’s credit report. The information contained at this link is applicable for all three credit bureaus. You must first write a letter to each bureau to learn if your minor child has a credit report and if so, then you can proceed to freeze it.

  • Unfreeze: Do a temporary thaw of your Experian credit freeze online or by calling 1-888-397-3742.

  • Info on freezing a child’s credit with Experian can be found here.

  • If requesting a freeze by mail, use the following address:

    • Experian
      P.O. Box 9554
      Allen, TX. 75013

TRANSUNION CREDIT FREEZE

  • Credit freezes may be done online, by phone (1-888-909-8872) or by certified mail – return receipt requested.

  • Check your state’s listing for the exact cost of your credit freeze and to see if there is a reduction in cost if you are a senior citizen.

  • Request your credit freeze by certified mail using this sample letter. Please note the attachments you must include.

  • Unfreeze: Do a temporary thaw of your TransUnion credit freeze online or by calling 1-888-909-8872.

  • Info on freezing a child’s credit with TransUnion can be found here.

  • If requesting a freeze by mail, use the following address:

    • TransUnion LLC
      P.O. Box 2000
      Chester, PA 19016

If you have any questions or need help getting any of this done, please feel free to contact me and we can book 30 min to get it taken care of.

Adam Anderson

Adam Anderson is the author of Built to Survive: A Business Person's Guide on How to Recover and Thrive After a Cyber Attack. Adam’s 15 years of entrepreneurial startup experience and his knowledge Enterprise Cyber Defense gives him a window into what’s wrong with communication between large and small companies. He combined this knowledge and the good works from the National Institute of Standards and Technology’s Cyber Security Framework to co-author the book “Small Business Cyber Security”. This book was later turned into an online class by Clemson University. Adam has been active in peer advisory boards for small business CEOs. He took this experience and co-founded a peer advisory board for Chief Security Officers of fortune 500 companies. This mix of small and large businesses has positioned Adam as one of the few people in the world to understand the complete supply chain of cyber security.
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