How to Freeze your Credit

To freeze your credit fully, you need your personal file to be “frozen” at each of the three US credit bureaus. To get you there, Snowcap.Me can help guide you through every step. Freezing your credit will not affect your existing credit cards or loans, which will continue to work the same as they do today. It will also not affect your credit score. What it does do is prevent unauthorized banks or organizations from pulling your credit report and checking your credit history without your consent.

At Equifax and TransUnion, you will need to create an account on their websites if you don’t already have one. Register with Equifax here and register with TransUnion here.

Equifax Freeze Guide

To freeze (and unfreeze) your credit file at Equifax, the company requires a myEquifax online account. If you don’t have one yet, you can create a new myEquifax account. Equifax does not use a PIN to process freezes and unfreezes online.

Experian Credit Bureau Logo
Experian Freeze guide

To freeze (and unfreeze) your credit file at Experian, the company does not require an account. Instead, Experian requires you to enter your name, social security number (SSN), address history, and other personal information each time you freeze/unfreeze your credit file. Answering multiple-choice questions to verify your identity is a common extra step. Experian uses a PIN as another piece of information to verify your identity.

TransUnion Credit Bureau Logo
TransUnion Freeze Guide

To freeze (and unfreeze) your credit file at TransUnion, the company requires an online account. If you don’t have one yet, you can create a new account with TransUnion. TransUnion does not use a PIN to process freezes and unfreezes online.