How to Freeze Credit Report in 5 Minutes [Easy Online Steps]

More than three million Americans had their credit hacked or reported a complaint relating to their credit report last year. That’s six people every single minute. We live in a digital age and your credit will be hacked eventually.

The only way to truly protect your credit and your identity is to freeze your credit report.

This doesn’t mean putting your credit cards in the freezer. It means going to each of the credit report bureaus and putting a credit freeze on your report. It’s a simple process that takes less than five minutes each but will save you hundreds in credit monitoring and will guarantee your credit.

Credit monitoring services offer some advantages but the only way to absolutely guarantee your safety is to put a credit lock on your report. I’ll show you how to do it fast through each of the three credit bureaus as well as a bonus to credit protection that most people don’t know.

- Why freezing your credit report is the only guaranteed way to protect your identity
- A bonus to credit freeze most people don’t know
- The websites and addresses for each credit bureau to freeze your report
- The process on each website to freeze your credit

Here are the links and phone numbers to freeze your credit report at each of the three credit bureaus.
1-888-909-8872
1-800-685-1111
1-888-397-3742

Remember, you MUST freeze your credit at each of the three bureaus or hackers will still be able to sneak in to one of your reports and steal your identity. I know it sucks that you have to pay for three credit freezes but it’s still way cheaper than paying for credit monitoring every month.

Don't forget to click through to the debt payoff playlist above and follow the entire series. I may eventually turn this series into a paid course but you can watch it all free right now. I start out by revealing the debt payoff strategies that will work with any budget, even on low income, and finish by showing you how to get a perfect credit score.

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Joseph Hogue, CFA spent nearly a decade as an investment analyst for institutional firms and banks. He now helps people understand their financial lives through debt payoff strategies, investing and ways to save more money. He has appeared on Bloomberg and on sites like CNBC and Morningstar. He holds the Chartered Financial Analyst (CFA) designation and is a veteran of the Marine Corps.

[williamjver]

Thanks I just froze all 3 with no charges at all.

[rolanddeschain]

Thank you...It's so bizzare that we have so little control over something that can significantly impact our lives like this.

[ALXSSA]

Thank you, just froze mine! I don't even want to chance someone using my credit and I don't plan on even opening any lines of credit in a while. :) Great video! <3

[Lic.SashaRodriguez]

For people that watch this today like me: now credit freezes are available for free to everyone! Thank you Joseph for this great video! I will take your advice!

[WealthbuilderzTV]

You always give some great tips. These hackers are getting out of hand so this info is definitely needed

[whoareu-podcastaboutlifeat]

Passed this video onto my mom, she found it helpful!! Thanks Joseph!

[bradyoung]

I frozen all 3 for free! Highly recommend

[jjbuckner]

Excellent video Joseph. I will definitely be looking into this as soon as we get through with building our house and have our mortgage set.

[thetruthbetweenthelines]

Thanks for this video and the series in general, Joseph. I really hope you will manage to grow this channel because more people need to hear your message. Keep going!

[incutheta]

It's pretty easy to do all 3. It is free, you just have to go through the hooplah of setting up accounts if you don't already have them.

[michaelscottland]

@ 4:14 the screenshot of the websites of the three credit bureaus. I wish they were added in the description so that we could just clicked on them.

[danielkopp]

Fantastic work as always Joseph! This is an issue that too many people end up paying for without even knowing the alternatives so good stuff here for everyone.

[MayanBrian]

You saved my life, I am forever grateful 🤲🏾

[itsmilmo]

This is great information that can help people with the security of their credit report!

[dolph]

Transunion was free :) Working on the other 2

[jackies]

How you freeze your credit?? We are in 4 minutes into the video. Thanks!

[bradyoung]

Now is a great time to freeze your credit thank you

[devonmassey]

If I freeze my credit cards will I still have to pay interest?

[Jimfromearthoo]

Hi Joe,
If I want to open up a new checking account
new bank NYC. Do I have to unfreeze my credit?Ty

[vimzibaiegh]

I understand that when you freeze your accounts, you provide your name and address. Now suppose you froze your credit and your address changes. Does an address change create a problem for you when you elect to unfreeze an account?