- Freezing your credit through Experian means that no new credit accounts or loans can be opened in your name
- Your freeze with Experian can be temporarily removed if you want to apply for credit
- If you feel like there’s no potential threat, you will need to permanently remove your Experian freeze
Unfortunately, identity theft is a very prevalent problem today. If you think you may be a victim, you may be in a situation where you need to put a freeze on your credit report. This means that absolutely no new loans, credit cards, or any other financial services can be opened in your name, and your credit history cannot be accessed. Experian is one of the world’s leading credit reporting agencies, so you’ll want to make a priority to freeze your Experian account if something is wrong. If you need to put a freeze on your credit through Experian, here’s what you need to do.
Note that freezing your credit will have an impact on your ability to apply for a mortgage, open up a new cell phone plan, obtain rental housing, and a number of other areas until that freeze is removed. So if you do want to freeze your credit with Experian, make sure it’s something you absolutely must do.
Logon to the Experian website where you will be asked to enter all of your identifying personal information. This freeze is placed on your Experian account immediately. Once the freeze is in place, it can temporarily be removed, if you want to apply for a credit card or mortgage, or it can permanently be removed if you feel like there’s no potential threat. A temporary Experian freeze can be placed for 7 days, 15 days, or 30 days. Any one of those should be long enough for the credit you need to be processed.
To contact Experian regarding a freeze on your account:
- 1 (888) 397-3742