Freezing your credit: Use this sample letter to request by mail

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credit lock vs. credit freeze
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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

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________________________________

Evening phone number

________________________________

Current address: (include zip code)

_____________________________________________________________

_____________________________________________________________

Former address (for those who have moved in last 5 years):

1)________________________________________________________________________________________

2)________________________________________________________________________________________

Date of Birth_____________________________(xxx-xx-xxxx)

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SS#____________________________________

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)

MY SIGNATURE:

________________________________________Today’s date__________


Mailing Addresses:

Equifax Security Freeze

P.O. Box 105788

Atlanta, GA 30348

Experian Security Freeze

P.O. Box 9554

Allen, TX 75013

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TransUnion Fraud Victim Assistance

PO Box 2000

Chester, PA 19016-2000

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