How to Block Credit Report Searches
A security freeze is an action taken by a person that prevents credit reporting agencies from allowing others to access his credit file. One of the advantages of placing a security freeze on your credit file is that it gives you the power to decide who gets access to your credit file. For example, you may temporarily lift a security freeze to grant a specific party access to your credit file. A security freeze is not only an effective way to prevent identity theft, but it also prevents credit report searches, which often affect credit scores.
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Instructions
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Write a letter to all three credit bureaus (Equifax, TransUnion, and Experian) requesting that a security freeze be placed on your credit file. Be sure that the letter contains your full name, address, social security number, and your date of birth. If you are a prior victim of identity theft, be sure to include a copy of a police record, or any other document substantiating that your identity was stolen.
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Write a check to each of the three credit bureaus covering the fee for placing a security freeze on your credit file. For information on what fees are involved, visit the Guide to Security Freeze Protection page of Consumer Union for a thorough listing of all fees; see the resources section for this page. Generally, fees for a security freeze are waived for prior identity theft victims.
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Mail your letter of request with your check to all three credit bureaus at the following addresses:
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348Experian Security Freeze
P. O. Box 9554
Allen, TX 75013TransUnion, Fraud Victim Assistance Department
P.O. Box 6790
Fullerton, CA 92834
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Tips & Warnings
When mailing your letter requesting a security freeze on your credit file, be sure to send the letter via certified mail with return receipt.
