A credit freeze is the #1 way to protect yourself from identity theft and fraud. There are different ways you can request a credit freeze. If you’d rather deal with paper documents, you can request a credit freeze by certified mail.
Equifax, Experian and TransUnion also allow credit freezes to be put in place via phone or online. But doing so by mail is a viable option for millions of Americans. To make things easier, I’ve provided a sample letter you can use with all three credit bureaus. Let’s walk through the steps:
How to request a credit freeze by certified mail
The good thing about the process is that as of September 2018 credit freezes are now free. So, all you have to do is print out the form below and mail it to the credit bureaus.
To be safe, send your letters certified mail — return receipt requested. Keep a copy of your letter and attach the return receipt to it when it comes back to you in the mail. Then keep it in a safe place!
Credit freeze sample letter
I would like to place a security freeze on my credit report.
_______________ _______________ _________________ __________
First name Middle Last name Suffix (Jr.III)
Previous name or maiden name (if applicable):
Daytime phone number
Evening phone number
Current address: (include zip code)
Former address (for those who have moved in last 5 years):
Date of Birth_____________________________(xxx-xx-xxxx)
Drivers’ License State and Number_________________________________________
One piece of ID is included which verifies my address:
(copy of driver’s license, government issued ID, W2 or 1099 form, pay stub with SS#, water bill, electric bill)
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
TransUnion Fraud Victim Assistance
PO Box 2000
Chester, PA 19016-2000
More Clark.com resources
- Credit Freeze Guide: How to freeze your credit and protect yourself against identity theft
- 5 things to expect when you freeze your credit
- How to sign up for Credit Karma’s free monitoring service