![]() ![]() ![]() The credit bureaus must then send you written confirmation of the freeze within ten business days of placing the request. If you request the freeze online or by phone it will happen immediately instead. Once requested, the credit reporting agencies must place the security freeze within five business days. If you prefer to freeze and unfreeze your credit reports by telephone here are the contact phone numbers for each credit bureau: Equifax: 88 Utility bill, lease, bank statement, or other proof of your address.Complete address history for the last two years.If you contact the credit bureaus by mail you will need to send the following information: You can contact them to place the credit report freeze as follows: Experian Security Credit Report Freeze There is no way to set up all three credit report freezes at the same time.Īll three credit bureaus, Experian, Equifax, and TransUnion make it easy to freeze your credit report. Once placed, the freeze prevents creditors from opening new accounts in your name.Įach credit report freeze must be placed separately with each of the three major credit bureaus. You place the freeze by contacting each of the three credit reporting agencies Experian, Equifax, and TransUnion. One bonus of the credit report freeze is that it stops prequalified junk mail offers. Placing a freeze on your credit report will not affect your credit scores. A credit freeze helps protect from identity theft and fraud. What does it mean to freeze your credit report?įreezing your credit locks it down so lenders cannot access your credit without your permission. The credit report freeze can be quite effective in preventing the thief from opening new accounts in your name. If you are a victim one important tool you have to protect you from future theft of your accounts is the ability to freeze credit reports. Identity theft is an increasingly common occurrence in Utah. ![]()
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