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North Carolina Department of Justice
North Carolina Department of Justice
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Free Security Freeze

Freeze Your Credit 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 set up and manage security freezes free of charge. Credit bureaus must comply with online or telephonic requests for a security freeze within one business day of receiving them. The credit bureaus must comply with requests made by mail within 3 business days of receiving them.
 
How to Get Free Security Freezes Online
To establish your security freezes, you will need to contact each of the three credit bureaus online:
Equifax Experian TransUnion
Online Form Online Form Online Form
(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 Address
  • 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 Safe
When you freeze your credit, the company will send you confirmation of the placement of the freeze along with information on how to remove the freeze, including any authentication information you will need, such as a PIN (Personal Identification Number) or password. The information should be sent to you no later than five business days after placing the freeze. Make sure to keep this authentication information in a safe place. 
 
Protected Consumer Security Freezes
You can freeze the credit reports of children and incapacitated adults.

Lifting or Removing Your Freeze
You can request that a freeze be lifted for a specified period of time or removed by making the request to the credit bureaus and providing proper identification. The credit bureaus must lift or remove a freeze one hour after receiving the request when the consumer makes the request by telephone or online. If the request is made by mail, the credit bureaus must lift or remove the freeze within 3 days after receiving such a request.