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Security Freeze Request Letter Template
Security Freeze Request Letter Template FAQ
What is a security freeze request letter?
A security freeze request letter is a written request sent to a consumer reporting agency asking it to place a security freeze, also called a credit freeze, on your credit file. A security freeze prevents prospective creditors from accessing your credit file, which can help reduce the risk of new accounts being opened in your name by an identity thief.
Why do you need a security freeze request letter?
You may need a security freeze request letter if you want to place the freeze by mail instead of online or by phone, or if a bureau specifically asks for a written request and identity documents. A freeze is free, lasts until you lift it, and does not affect your credit scores.
When should you use a security freeze request letter?
Use this letter when you want to help prevent new credit accounts from being opened in your name, especially after identity theft, suspected fraud, or a data breach. You can request a freeze at any time, and you must contact each nationwide credit reporting company separately to freeze all three major credit files.
How to write a security freeze request letter?
Start by identifying yourself clearly and stating that you are requesting a security freeze on your credit file. In mailed requests, bureaus commonly ask for identifying information such as your full name, address, Social Security number, and date of birth, along with copies of identity or address documents. It is also helpful to ask for written confirmation once the freeze is placed.
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