How to Block Your Credit Report

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Credit is an important factor that financial lenders analyze to determine whether or not you are worthy of a loan. Credit scores are affected by a number of factors, including inquires from lenders who have pulled your credit. Several inquires can negatively affect your credit score and hinder you from obtaining the credit you want. To limit the amount of inquires you have against your credit, you need to block access to your credit report so only institutions whom you give access to can view your credit report.

Step 1

Contact the credit reporting agencies. You need to contact each credit reporting agency to block your credit report with them. You can contact Equifax by phone at 1-800-685-1111 or by mail at P.O. Box 740241, Atlanta, GA 30374-0241. You can contact Experian by calling 1-888-397-3742 or by mailing a request to P.O. Box 9595, Allen, TX 75013-9595. You may contact TransUnion by calling 1-800-888-4213 or mailing a request to P.O. Box 1000, Chester, PA 19022.

Step 2

File a block on your credit report electronically. Visit the websites of each of the credit reporting agencies and place a security freeze on your credit file. There should be a link under personal services to place a security freeze on your credit report. To ensure you are placing a freeze on your own credit file, you may be asked personal questions regarding information on your credit report. If the personal information is successfully confirmed, a security freeze or block will be placed on your credit file.

Step 3

Mail a request for a block on your credit file. You can mail a written request for a security freeze to the credit bureau agencies. You will need to include your name, address, social security number, and date of birth in the request.

Things You'll Need

  • Credit reports

  • Credit bureau contact information

  • Envelope

  • Stamps

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