How to Freeze your Credit

To freeze your credit file quickly, you need your files to be “frozen” at the three US credit bureaus. Snowcap.Me can help guide you through every step. Freezing your credit files 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 freezing does is prevent unauthorized banks or lenders from pulling your credit report and checking your credit history without your consent. Since lenders cannot view your credit history, frozen credit protects you from an identity thief attempting to open a new account in your name.

If you don’t already have one, you will need to create an account on each credit bureau’s website to freeze your credit. Here are links to make your accounts:

Equifax credit bureau logo. Create an account with Equifax to freeze your credit file quickly.
Equifax Freeze Guide

To freeze (and unfreeze) your credit file quickly 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. Create an account with Experian to freeze your credit file quickly.
Experian Freeze guide

To freeze (and unfreeze) your credit file quickly at Experian, the company finally has consumer accounts to speed up the process. If you don’t have one yet, create a new Experian account. Experian uses a PIN as another piece of information to verify your identity in some cases.

TransUnion credit bureau logo. Create an account with TransUnion to freeze your credit file quickly.
TransUnion Freeze Guide

To freeze (and unfreeze) your credit file quickly 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.