You will also likely be asked some questions about prior places of residence and credit accounts you may have or have had in the past. In order to freeze your credit, you will need to give each credit bureau information in order to prove your identity. The PIN is required to unfreeze your credit file if you want to do it by phone. If you do not choose your own PIN, one will be assigned to you anyway. Select this option to initiate your freeze and choose a PIN. You should see references to a free credit freeze when you sign up for your account. Be careful to sign up only for the free credit freeze, if that is what you are looking for. There are many monitoring products that can be purchased on the site. You will then be asked some identification questions, such as street numbers for past addresses, when credit accounts were established or approximate payment amounts on loans. To open an account, you need to provide your name, the last four digits or your Social Security number, your address and birthdate. However, it is not necessary to have a TransUnion account to place a security freeze by mail or by phone. You can download and use an app to do this if you prefer. You will have to set up an online account first to request your TransUnion credit freeze online. Here’s a step-by-step guide for freezing credit with TransUnion: All three bureaus allow you to do this online, by mail or by phone. The good news is that credit freezes and thaws are free. A credit freeze lift, or thaw also has to be done individually. A Credit freeze has to be set up individually with each credit bureau – Equifax, Experian and TransUnion.
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