- 1). Gather financial information. Requirements for freezing a credit report vary from state to state. In most cases, it is necessary to send a credit reporting agency a full name, an address or list of addresses for the past two years, social security number, date of birth, copy of a government identification card (i.e., driver's license or military ID), copy of a bank statement, utility bill or insurance statement that has a name and address clearly legible.
- 2). Go online and visit one of the three major credit reporting agencies' web sites. They are Experian, Equifax and TransUnion. It is only necessary to file a freeze with one agency. Each agency will have a link on its page for how to file a freeze. The information is set by statute, and so is the same for all three agencies.
- 3). Check specific requirements for your state. Each state has different requirements and different fees for a credit freeze. It is important to read requirements before sending anything to a credit agency.
- 4). Locate the address to mail all your documentation. Mail it. Once the information has been received and processed, the credit reporting agency will provide a PIN to you that can be used to break the freeze. Do not lose it.
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