How to Get an Experian Credit Freeze

The simplest way to freeze your Experian credit report is using the online interface.

Bev O'SheaAugust 19, 2020
On a similar note...
On a similar note...

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

If you don’t anticipate needing to apply for credit in the near future, you should consider a credit freeze. It’s the best way to prevent your credit report from being accessed by unscrupulous people.

Freezes and unfreezes are free.

If you freeze your credit, you’ll still be able to use it as you do now, but you won’t be able to apply for new credit without first lifting the freeze. That means if your personal data was compromised during a breach, no one else can use it to create a credit account, protecting your credit and saving you time and aggravation in trying to clear it up.

All three credit bureaus — Equifax, Experian and TransUnion — offer this option, also known as a security freeze, for protecting your credit.

There are three ways to freeze your Experian credit. We’ll take you step-by-step through each:

Know where your credit stands

Check your credit score for free. Your info updates every week to help you track your progress.

Freezing online

You can access a short form online, and you will be asked for some identifying information — name, Social Security number and birthdate. You’ll also get an opportunity to select your own PIN, if you prefer that to being assigned one.

Here's a screenshot of Experian's freeze site:


You’ll then be asked identity verification questions, typically involving past addresses or credit accounts.

Once you correctly answer those, you’ll see a screen that says “Security freeze successfully added” in a green bar at the top.

The body of the message includes your PIN.

At the bottom of the page are two buttons, “Print” or “Email my PIN.” Choose the one you want and take care of that number, because you will need it to lift the credit freeze.

Freezing via postal mail

If you prefer to use the mail, you can send your request to Experian Security Freeze, P.O. Box 9554, Allen, TX 75013.

Experian has information on its website that should help you figure out what information and documents you may need.

In general, you’ll need to include your full name (including generation, if applicable), Social Security number, birthdate, two years’ worth of addresses, a government-issued ID card, such as a driver’s license, and a utility bill or other acceptable proof of address.

You’ll receive your PIN via postal mail.

Freezing by phone

If you prefer to start the process by phone, the number is 888-397-3742 (888-EXPERIAN).

You’ll be asked to provide personal data, such as your Social Security number, full name, birthdate and recent addresses.  Once your identity is confirmed, your credit can be frozen and you will receive a PIN by postal mail.

Once you request your Experian credit freeze

Because credit reporting agencies don’t share data, except in the case of placing a fraud alert, you’ll need to place a freeze at all three credit bureaus. NerdWallet has step-by-step guides for freezing Equifax and TransUnion credit as well.

And keep up with your PIN. Though it’s possible to retrieve a lost PIN, it’s less hassle and faster if you know where to find it when you need it.

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet’s official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.