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If you want to freeze your credit, you need to do it at each of the three major credit bureaus: Equifax (1-800-349-9960) TransUnion (1-888-909-8872) Experian (1-888-397-3742) .
Dispute mistakes with the credit bureaus. You should dispute with each credit bureau that has the mistake. Explain in writing what you think is wrong, include the credit bureau's dispute form (if they have one), copies of documents that support your dispute, and keep records of everything you send.
The Bottom Line You are entitled by law to freeze your credit reports anytime, for free. To do so, you must request a security freeze at each of the national credit bureaus individually. Freezing your credit limits criminals' ability to open loans and credit card accounts in your name.
A dispute with additional relevant information can also be submitted by mail to Experian at P.O. Box 4500, Allen, TX 75013.
You can send disputes by mail to TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000. TransUnion recommends including the following in your dispute letter: Your Social Security number and date of birth.
Contact each of the three major credit bureaus ? Equifax, Experian and TransUnion ? individually to freeze your credit: Equifax: Call 800-349-9960 or go online. ... Experian: Go online to initiate, or for information call 888?397?3742. ... TransUnion: Call 888-909-8872 or go online.
Freezing your credit is free, and you'll need to do it with all three credit bureaus to lock down each of your credit reports. And again, the freeze will stay in place until you lift it.
Freezing your credit can be a good idea if you're worried about someone opening a new credit account in your name. And it's free, quick and relatively easy to manage online.