If you plan to open credit in the near future, or apply for an apartment or a job that will require your credit report to be checked, you will need to lift the freeze. While a credit freeze can provide important protection against identity theft, a credit freeze may not be for everyone.You can also find more information about each credit reporting agency's freeze program at their websites: If you have moved in the past five years, supply addresses for past five years. A copy of a bank statement or utility bill containing your current addressĮxperian Minor Credit Freeze ( Sample) TransUnion.If you have moved or had a name change in the past five years, prior addresses and proof of prior names are also required.If you have moved in the past two years or had a name change, you should provide that prior address or name so you can be properly identifiedĮquifax Incapacitated Adult Freeze Request Form Įquifax Minor Freeze Request Form ExperianĮxperian Security Freeze ( Sample) P.Full name, address, Social Security number, and date of birth.EquifaxĮquifax Security Freeze ( Sample) P.O. To thaw your credit, you can lift your credit freeze for a specific number of days to give lenders enough time to access your credit. Your security freeze restricts access to your Equifax credit report for the purposes of extending credit in your name. You will need to include your personal information, as described below. You place a credit freeze on your Equifax credit report. To place a credit freeze, send a request to each of the three credit reporting agencies. If your credit files are frozen, even someone who has your name and Social Security number might not be able to get credit in your name. Maryland consumers may place a freeze on their credit reports from all three credit reporting agencies, free of charge. Credit freezes may also be lifted, known as a “thaw," free of charge. Most businesses will not open credit accounts without first checking a consumer's credit history. A credit freeze can help prevent identity theft.
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