Freezing Your Credit Report at Experian
Experian is one of the three major credit bureaus in the United States that provides credit information to businesses. Once you place a freeze on your credit report at Experian, the bureau will not provide your information to most companies that request it. You can freeze your credit report at Experian online, by phone, or by mail.
Freezing a Minor Child’s Credit Report at Experian
Parents and legal guardians can also request to freeze the credit reports of minor children under the age of 16. Experian provides a form that you must fill out and submit to provide your personal information. You must also send the following information for the person whose credit you wish to protect:
- The protected person’s full name, including the first initial of the middle name and the suffix (if applicable)
- Social Security number
- Date of birth
- Current and previous addresses for the past two years
- Copies of the protected person’s birth certificate and Social Security card
You must also send your personal information:
- Your full name, including the first initial of the middle name and the suffix (if applicable)
- Your Social Security number
- Your date of birth
- Your current and previous addresses for the past two years
- One copy of a government-issued ID, such as a driver’s license or state ID, etc.
- One copy of a utility bill, bank statement, or insurance statement, etc.
- If you are the guardian of the protected person, provide a copy of the court document that names you as the guardian.
Lift Freeze and Unfreeze Your Credit Report
Experian makes it easy for potential lenders to check your frozen credit. You can request a one-time PIN for use through the Experian website. The financial institution can use the PIN to access your credit report only once. This is a good option if you are applying for credit with just one company.
If you need to lift the freeze for several different companies, for example, if you are shopping for a loan, you can use a separate form to request a temporary lift. You can specify the exact dates to lift the freeze and place it back on your credit report. You can also permanently remove the credit freeze from your credit report.
Credit Freeze or Fraud Alert?
A credit freeze locks your credit report for new accounts unless you lift the freeze. A fraud alert requires lenders or creditors to take additional steps, such as contacting you, to verify your identity before accessing your credit report.
What Freezing Your Credit Report at Experian Does Not Do
Most companies will not be able to access your credit information at Experian while a freeze is in place. The exception is companies you already have an account with and collection agencies that collect a debt on behalf of a former creditor. Companies can also access your credit report information, in aggregate, to pre-screen you for credit offers.
You can stop receiving pre-screened credit card offers by calling 1-888-567-8688 or visiting optoutprescreen.com.
Reporting Issues with Your Credit Freeze
If you believe that Experian is not properly placing a freeze on your credit report, you can file a complaint with the Consumer Financial Protection Bureau online or by calling 855-411-2372.
Source: https://www.thebalancemoney.com/freeze-your-credit-report-at-experian-for-free-4767212
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