Looking to Freeze Your Credit After the National Public Data Breach? Here’s How (2024)

I mulled over freezing my credit for weeks before I did it. As a personal finance editor covering identity theft, I knew it would make it harder for cybercriminals to open a new credit account in my name -- but it would also make it difficult for me.

When you freeze your credit, you have to manually unfreeze or “thaw” it whenever you want to apply for a new credit card, car loan or mortgage.

The process of freezing your credit isn’t so straightforward either. It involves signing up for individual accounts with the three main US credit bureaus, Equifax, TransUnion and Experian and freezing your credit manually online or by phone or mail.

But there are two benefits that sold me on it. First, freezing your credit is absolutely free. And second, you get peace of mind in knowing you’ve neutralized a major tool in identity thieves’ playbook.

Why I froze my credit reports

Data breaches happen more often than you think. And chances are, your data has been compromised at least once. Just this year, Ticketmaster and reported data breaches that have impacted millions of customers. An alleged hack of background search company National Public Data may have also compromised the personal data of 2.9 billion people, according to a new lawsuit.

Recently, I noticed an uptick in the amount of scam messages I received on my phone and in my email inbox. Most were easy enough to sniff out, but some were fairly well researched.

I’ve received a variety of messages asking me out for ribs and even offering me new job opportunities. The barrage of messages, phone calls and emails made me think that at any given moment -- while distracted or in a rush to get back to my desk for my next meeting– I may fall victim to a scam that could lead to identity theft.

Freezing my credit is one of the best ways to protect your data and money -- but it’s not foolproof. Fraudsters and identity thieves might still gain access to my personal information via existing accounts. However, I can limit the damage.

Read more: 5 Signs Your Personal Data Is on the Dark Web -- And What You Can Do About It

How I froze my credit with TransUnion, Equifax and Experian

When you freeze your credit, you’ll need to do it with each of the three main credit bureaus. That requires setting up accounts at each -- a process that took about 30 minutes online. Generally, you’re asked for the same information: your name, birthday and the last four digits of your Social Security number. You then need to complete two-factor authentication via text or email.

TransUnion and Equifax have dedicated tabs available to you on your dashboard to freeze your credit after you create an account. A few clicks, and I was all set.

Experian makes this option a bit more difficult to find. After some clicking around, I found two ways to activate a free security freeze.

You can hover over “credit” on your dashboard and click Experian Credit Lock -- Experian’s paid offering that works similar to a credit freeze, but that among other features locks your credit report instantly. On that page, you see the free “security freeze” option.

You can also scroll down to the bottom of the page while signed in and click Experian Credit Lock to get to the same page. All three credit bureaus will confirm your credit freeze via email.

If you don’t want to set up online accounts, you can call each credit bureau to freeze your credit. Here are the numbers for each:

• TransUnion – 800-916-8800
• Equifax – (888) 298-0045
• Experian – 888-397-3742

After you’ve requested a credit freeze, each bureau must freeze your credit within one business day. When you need to unfreeze your credit, Experian, TransUnion and Equifax are required to thaw your credit within an hour. By mail, it may take up to three business days to freeze and unfreeze your credit.

Freezing your credit won’t solve all of your identity theft worries

Setting up the credit freeze was simple enough. But I’m not going to tell you that having your credit frozen is convenient. Here are some downsides to consider:

You’ll have to unfreeze your credit every time you open a new account

If you are thinking of applying for a new credit card, looking for your first home or thinking of taking out a new car loan, it’s probably best to wait until after you’ve opened the account before freezing your credit.

Freezing your credit prevents cybercriminals or identity thieves from opening new credit accounts in your name. But it also stops you. To open a new credit account, you’ll need to login to your accounts or contact each of the three credit bureaus and temporarily unfreeze your credit.

False sense of security

Freezing your credit is a good step toward protecting your identity, but it can still be stolen.

You may consider signing up for an identity theft protection service. Individual plans typically start from $7 to $15 depending on the level of financial and identity monitoring you want. With an identity theft protection plan, you can monitor your credit, bank accounts and the dark web for your or your family’s personal identifiable data, or PII.

Alternatively, you can take advantage of free tools at your disposal. Review your monthly credit card and bank statements. Also look at your medical claims history online and on your credit report. You can download your free credit report on AnnualCreditReport.com.

It won’t stop spam messages

Unfortunately, if scammers have your phone number or email, you won’t be able to stop attempts to scam you out of money in your existing accounts.

It’s best to block telephone numbers and email addresses from unrecognized senders everytime you receive a strange message. Also, take a minute to read messages carefully before clicking on a link.

It won’t put an end to new credit offers

Freezing your credit also won’t eliminate the spam mail and prescreened offers you receive. Credit freezes are meant to prevent hard inquiries on your credit, such as lease applications or applying for a student loan. You can still expect to receive offers from credit card companies, insurance carriers and more.

Financial institutions you already have a relationship with and debt collectors can also view your credit. Under special circ*mstances, so can the federal, state and local government.

On the plus side, credit monitoring companies like Credit Karma and Credit Sesame can still provide you with your up-to-date credit scores.

You’ll still need good password hygiene

Even if your credit is frozen, you’ll still need to exercise good password hygiene. Be sure not to use the same login information across multiple sites -- using the same login is a common tactic by cybercriminals.

If keeping track of your passwords becomes overwhelming, consider paying for a password manager.

It won’t protect your bank account information

Even if you freeze your credit, it’s still your responsibility to protect your bank account information from scammers.

If you mistakenly provide any account numbers or login information to cybercriminals, contact your bank immediately and change your password.

In the end, I’m glad I froze my credit

There are pros and cons to freezing your credit. But with no plans to open a new account anytime soon, it was worth it to me. I also feel safer after doing it. It’s nice to know I have thrown a wrench into any cybercriminal’s plans.

Sure, the spam messages keep rolling in. But I’m fine with being the gatekeeper of my financial accounts. I make a habit of checking my bank and credit card statements regularly.