Can I freeze my credit myself?

kissygirl

It’s becoming easier to freeze and thaw your account than in the past. In most states, an account can be frozen or unfrozen immediately online or by phone -- you just need to know your PIN. A few states require the request to be in writing, and they typically allow three days for the request to be processed, says Sweet. Losing your PIN is not as big of a hassle as it used to be, either. People used to get frustrated when they lost their PINs and were blocked from applying for credit or a cell phone until they could write to the credit bureau and receive a new PIN, says Sweet. But now you can now request a new PIN instantly online and avoid the delays.