Stop new-account fraud before
it starts
Freeze your credit at all three bureaus. No monitoring fees. No waiting for damage. Just prevention.
No account needed · No credit card · About 15 minutes · Why freeze?
How it works
Three steps to credit security
Skip the monitoring upsells. Go straight to each bureau's freeze page.
Gather your info
Have your SSN, date of birth, and address ready. No credit card needed - freezing your credit is free by law.
Freeze your credit bureaus
A credit freeze restricts access to your credit file, so most lenders can't open new credit in your name. We walk you through freezing all three bureaus.
Grant or revoke access anytime
Need to apply for a loan or credit card? Temporarily lift your freeze, then re-freeze when you're done.
Why freeze?
Prevention beats detection
Monitoring tells you after your credit file was pulled. A freeze stops most new lenders from pulling it at all.
Monitoring
- Alerts you after damage is done
- Doesn't prevent unauthorized access
- Often requires a paid subscription
- You still dispute the fraud yourself
Freeze
Recommended- Stops most new lenders from pulling your file
- Makes new credit in your name much harder to open
- Completely free by federal law
- Lift or refreeze anytime you need
Walkthrough
Watch this before your first freeze
Under three minutes: why a computer beats your phone the first time, how to save your bureau logins so unfreezing is easy later, and the five steps you'll repeat at each bureau.
Preparation
What you'll need
Each bureau verifies your identity. Have these ready:
You enter these on each bureau's own site. 3Bfreeze never sees your Social Security Number, date of birth, or bureau logins.