Lifehack: Freeze Your Credit for Free (2023)

Important: I am not affiliated with any of the manufacturers, brands, services, or websites listed on this page and this is my personal experience.  If you find this helpful and want to say thanks, please buy me a coffee or take a look at my book on Amazon. It keeps this page ad-free. Thank you!

If you want to freeze your credit it is a smart move given the frequency of data breaches, hacks, etc. The whole process from beginning to end takes about 5-10 minutes and you will need to do it at each of the three (3) credit reporting bureaus.

It’s 100% free to freeze your credit. It’s also easy to unfreeze your credit and all of the services also offer a “credit thaw”.

A thaw lets you schedule an unfreeze and then it will freeze again after a specified date. Useful if you’re applying for a loan, etc. Remember, you will need to unfreeze your credit whenever you apply for a credit card, mortgage, car loan, etc.

Important: These services are free. Do not fall for their attempts to get you to pay for anything. They will try and upsell you or use words to suggest you have to pay, upgrade, etc. Look for the words free freeze or free security freeze. They are legally obligated to provide free services. Do not get scammed and pay for anything – if you’re entering credit card details at anytime, you’re doing it wrong and will be charged.

Here’s a direct link to the three (3) free places you need to freeze your credit.

Freeze Your Credit Online Free

To save you time, here are direct links to the free freeze-your-credit pages:

  • Equifax
    Click “Place a Freeze” on the right-hand side of the page, if you have an account click “Manage a Freeze”.
  • Experian
    Create a free account and then you can freeze/unfreeze/thaw your account.
  • TransUnion
    Look for the Credit Freeze link on the far right of the page.

If you’re doing any of the above, I would recommend setting up 2FA (Two Factor Authentication) on each service just to protect your account. I have a guide here on how to protect your privacy and secure your accounts for free here.

I would also suggest you opt out of all of their marketing emails. Experian is the most sneaky when it comes to trying to opt you into this – you will need to go to “Your Account – Communication Preferences” to opt out after you sign up.

Hope this helps someone else!

PS. Due to the complexity of privacy regulations, I provide no support if you have any issues with the above. Sorry.

Important: I am not affiliated with any of the manufacturers, brands, services, or websites listed on this page and this is my personal experience.  If you find this helpful and want to say thanks, please buy me a coffee or take a look at my book on Amazon. It keeps this page ad-free. Thank you!

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