What a freeze does
It blocks new creditors from pulling your file—stopping most new-account fraud. It doesn't affect existing accounts or your score.
How to freeze
- US: Place freezes at Equifax, Experian, TransUnion individually.
- Canada: Place freezes/alerts at Equifax Canada and TransUnion Canada.
- Keep PINs/passwords safe.
- Temporarily lift (thaw) when you apply for credit.
When to use
After data breaches, lost ID, or suspicious inquiries. Pair with account alerts and strong passwords.
Frequently Asked Questions
Does a freeze cost money?
Free in the US and Canada for consumers.
How long does it take to lift a freeze?
Usually immediate online, up to 24 hours by phone.
Will it affect my current accounts?
No, only blocks new credit applications. Existing accounts work normally.