With #musk having access to all kinds of data now it seems like a lot of folks are recommending putting a freeze on your #credit to help avoid #IdentityTheft. I went through that today and while it was pretty painless creating an account with Equifax and Experian, Transunion really buries and hides the info as it seems like they would really like you to sign up and pay them a monthly fee. You don't have to by the way, they are required to do this for free. Anyway, for folks looking to do this themselves, I thought I'd type up the links and the various contact information:
TransUnion: https://service.transunion.com/dss/orderStep1_form.page
Experian: https://www.experian.com/help/login.html
Equifax: https://my.equifax.com/consumer-registration/UCSC/#/personal-info
Having the online accounts are a double-edged sword in that someone could technically gain access to that and request your credit be unfrozen. You can still freeze your credit if you do not wish to create accounts with the three agencies. This can be done either by mail or by phone. By mail you need to provide your full name, social security number, address history for the past two years, date of birth, a copy of a utility bill or bank statement from the last 60 days, and a copy of a government issued identification card with your address on it (note that passports generally do not contain that so you'll want to use a driver's license or state-issued ID). Again here's the info you need:
TransUnion:
1-800-916-8800
TransUnion Credit Freeze
P.O. Box 160
Woodlyn, PA 19094
Experian:
1-888-397-3742
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
Equifax:
1-888-298-0045
Fill out the form here: https://assets.equifax.com/assets/personal/Security_Freeze_Request_Form.pdf and then mail to:
Equifax Information Services LLC
P.O. Box 105788
Atlanta, GA 30348-5788
If you have online accounts or you call, they are required by law to freeze your credit within 1 business day of you requesting it and unfreeze it within 1 hour. By mail it needs to be frozen within 3 business days of receipt of your mailing and unfrozen likewise within 3 business days of receiving your mailing.
Please note, you'll need to unfreeze your credit when applying for a loan, mortgage, etc.
I suspect the links and the required information changes with time so the above links may not work if you're finding this information and it's a long time past February 2025. So if it is, just confirm the above is still correct before going through the process.