How to freeze your Experian credit
Experian is one of the three nationwide credit bureaus. Freezing your Experian file is free and stops most lenders that use Experian from pulling your report.
Before you start
- Have your Social Security number, date of birth, and current address ready.
- Expect to create an Experian account and answer identity questions the first time.
- Use a strong, unique password and save it. You'll need this account to lift the freeze later.
Freeze online
- Go to Experian's official Freeze Center.
- Create or sign in to your Experian account.
- Verify your identity.
- Choose to add a security freeze to your Experian credit report.
An online request must take effect within one business day. Experian's Freeze Center also lists its phone and mail options.
Lift or thaw it later
Sign back in and either remove the freeze or lift it temporarily for the dates you choose. An online lift must happen within one hour.
Don't stop at Experian
A freeze only covers the bureau you placed it with. Also freeze at Equifax and TransUnion. See the full guide to freezing all three.
Sources
Questions
How long does an Experian freeze take?
A freeze requested online or by phone must be placed within one business day.
How do I unfreeze my Experian credit?
Sign in to your Experian account and remove the freeze or lift it for a date range. An online lift must happen within one hour.