Free Security Freeze
Freeze Your Credit Online for Free
Placing a security freeze on your credit reports can block an identity thief from opening a new account or getting credit in your name. North Carolina residents can now set up and manage security freezes online, free of charge. Credit bureaus can usually comply with your online request for a security freeze within 24 hours of receiving it.
How to Get Free Security Freezes Online
To establish your security freezes, you will need to contact each of the three credit bureaus online:
(Note: the links above will take you to the websites for the three credit bureaus. These sites are separate from www.ncdoj.gov
Be prepared to provide detailed information about yourself, including:
Your Full Name
Your Date of Birth
Your Social Security Number
(Note: The credit bureaus already have this information in their files. You will be providing it to verify your identity.)
Keep Your PINs or Passwords
When you freeze your credit, the company will give you a PIN (Personal Information Number) or password. Make sure to keep this information in a safe place. You will need it when you lift or remove your security freeze.
If You Lose Your PIN
If you lose your PIN or password, the company must give you a new one free of charge. If you lose it a second time, the company can charge up to $3 to give you a new one.
To receive a new PIN from Equifax or TransUnion, you must make your request in writing and provide proof of identification. (A copy of your driver's license, passport, birth certificate, etc.) Mailing addresses for those credit bureaus can be found here
. To receive a new PIN from Experian, visit this page
and select "Request a Personal Identification Number."
Protected Consumer Security Freezes
Under a new North Carolina law, you can freeze the credit reports of children and incapacitated adults
Other Ways to Freeze Your Credit