Official government search · Open
Free credit freezes and fraud alerts
A credit freeze blocks new accounts from being opened in your name, and since 2018 it is free for everyone at all three bureaus. After a data-breach notice, a freeze is the strongest free protection available — stronger than the monitoring settlements offer. The FTC page links to each bureau's official freeze page.
Facts from the official materials
- Status
- Open
- Type
- Official government search
- Category
- Credit
- Defendant / company
- Equifax, Experian, and TransUnion
- Administrator
- FTC guidance plus the three nationwide bureaus
- Claim deadline
- No filing deadline — search the official database
- States
- See official notice (often nationwide)
- Proof
- Account or service history may be required
- Possible amount
- No set amount — free official search
- Source confidence
- high
- Last verified
- August 29, 2026
Covered products and services
- Unclaimed funds
Free by federal law. Bureaus must place an online freeze request within one business day and lift it within the same timeframe.
Eligibility questions
These questions help you decide whether to read the official notice. They are not a legal determination.
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