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The Money Desk · Blog
Re:

How to Freeze Your Credit After the Alleged National Public Data Breach

A credit freeze is free and available whether or not you know your information was exposed. Request it separately from Equifax, Experian and TransUnion, then temporarily lift it when a lender needs access.
From TheFinanceBase Team4 min to read
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You can freeze your credit even if you do not know whether the alleged National Public Data breach exposed your information. A freeze is free, does not lower your credit score and remains in place until you lift it. Request one separately from Equifax, Experian and TransUnion; freezing with one bureau does not freeze the other two.

Do you need to confirm your information was exposed first?

No. The Federal Trade Commission says anyone can freeze their credit for any reason. You do not have to wait for a breach notice or an individual exposure confirmation to act. The U.S. Army Criminal Investigation Division described National Public Data as a Florida-based background-check data broker targeted by a cyberattack in a September 12, 2024 flyer, and recommended considering a free freeze or fraud alert. The official breach-specific material cited here does not establish a current authoritative tool for checking whether a particular person was affected. FTC guidance · U.S. Army Criminal Investigation Division flyer

How to freeze your credit with all three bureaus

  1. Go to the official freeze page for Equifax, Experian and TransUnion. IdentityTheft.gov also lists the bureaus’ contact details on its recovery steps page.
  2. Follow each bureau’s instructions to submit a freeze request. You must contact all three; one bureau does not notify the others to freeze your files.
  3. Save each bureau’s confirmation and the information you need to regain access to the account or request a lift later.

A security freeze limits prospective creditors’ access to your credit file, which can help prevent an identity thief from opening new credit in your name. It does not stop all access to your file or prevent every form of identity theft. The CFPB explains the freeze’s function and exceptions.

Freeze or fraud alert: which should you use?

Option What it does How to request it What to expect
Security freeze Limits prospective creditors’ access to your file. Request separately from Equifax, Experian and TransUnion. Free and stays in place until you lift it. A lender may not be able to complete an application until it can access the relevant file.
Initial fraud alert Asks creditors to take steps to verify your identity before opening new credit. Contact one of the three nationwide bureaus; it must notify the other two. Free. You can use an alert alongside a freeze.

For a suspected misuse of your identity, a fraud alert can add a verification request. A freeze is the option that restricts prospective creditors’ access to the file. The FTC describes both options in its credit-freeze guidance.

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How to lift a freeze for a credit application

Before applying for a loan, credit card or other credit, ask the lender which bureau it will check. Then request a temporary lift from the relevant bureau or bureaus; a freeze at another bureau does not need to be lifted unless that lender will check that file. You can also lift a freeze permanently if you choose.

Under the timing rules summarized by the CFPB, a nationwide bureau must complete a telephone or secure electronic lift request within one hour. A lift requested by mail can take up to three business days. Use the bureau’s official channel and allow enough time for the lender to access the file. CFPB: credit-freeze timing and rules

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How long does a freeze take to place?

The CFPB says a nationwide credit bureau must place a freeze within one business day after receiving a telephone or secure electronic request, or within three business days after receiving a mailed request. It must send written confirmation no later than five business days after placing the freeze. These are the CFPB’s summaries of statutory deadlines, not a promise that every bureau’s online process will finish sooner. See the CFPB’s current guidance.

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What a freeze does not protect

A freeze is focused on access to your credit file for new credit. It does not secure your bank accounts, email, tax accounts or other services. The CFPB lists exceptions to the access restriction, including creditors for accounts you already hold, certain government entities and companies hired to monitor a credit file. CFPB: freeze limitations

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A paid credit lock is not a stronger substitute for a free security freeze: the CFPB says locks are no more effective and may be bundled with paid services. Credit monitoring may alert you to activity, but it does not itself place a freeze. CFPB guidance on freezes and locks

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What to do if you find suspicious activity

  • Contact the company or financial institution involved and report the unfamiliar account or transaction.
  • Secure affected accounts and related logins, especially email accounts used for password recovery.
  • Consider placing a fraud alert and keep your security freezes in place.
  • Review your credit reports for unfamiliar accounts or inquiries. IdentityTheft.gov points consumers to AnnualCreditReport.com and says reports can be checked weekly for free.
  • Use IdentityTheft.gov’s guided recovery steps to continue responding to identity theft.

Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.

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