Credit Freeze Tracker: Freeze Your Credit Everywhere It Matters
A credit freeze is free and stops most new accounts from being opened in your name. It lasts until you lift it. Freezing one bureau doesn't freeze the others, so do all three.
Private: your ticks are saved in this browser only. Nothing is sent to us.
Do these three first
Freezing one bureau does not freeze the others. The FTC says to contact all three.
| Where | Why it matters | How to freeze | Done |
|---|---|---|---|
| Equifax | One of the three nationwide credit bureaus the FTC tells you to freeze. | Official freeze page Phone: (888) 298-0045 | |
| Experian | One of the three nationwide credit bureaus the FTC tells you to freeze. | Official freeze page Phone: 1-888-397-3742 | |
| TransUnion | One of the three nationwide credit bureaus the FTC tells you to freeze. | Official freeze page Phone: 888-909-8872 (automated freeze line) |
Optional extras
Some businesses check these specialty companies instead of, or as well as, the big three. Freeze the ones that fit your situation: each one is another freeze to lift before you apply for something.
| Where | Why it matters | How to freeze | Done |
|---|---|---|---|
| ChexSystems | Checking-account history, used mainly by banks. A freeze may delay an account you want to open. | Official freeze page Phone: 800-887-7652 | |
| NCTUE | Phone, pay-TV and utility account histories, used by its member companies. | Official freeze page Phone: 1-866-349-5355 | |
| Innovis | Credit and identity-verification data. Not one of the three bureaus the FTC says to freeze. | Official freeze page Phone: 1-800-540-2505 | |
| LexisNexis Risk Solutions | Public records and other data used by lenders and insurers. Covers only LexisNexis and SageStream files. | Official freeze page Phone: 1-800-456-1244 | |
| The Work Number | Employment and income records (an Equifax company). It warns a freeze may slow loan, job or benefits applications. | Official freeze page Phone: 1-800-367-2884 |
Before you start
- Use only the official bureau sites above. There's no cost to place or lift a freeze, so you never have to buy anything to do it (FTC).
- Save the login or PIN each bureau gives you somewhere safe. You'll need it to lift the freeze when you apply for credit.
- A freeze doesn't affect your credit score (FTC).
- Step-by-step instructions: How to Freeze (and Unfreeze) Your Credit: Equifax, Experian, TransUnion and the Ones People Forget.
Links checked against the bureaus' own sites on September 24, 2026. If a link moves, search from the bureau's home page, never from an ad.