Scam Prevention Tip: Place a Freeze on Your Credit Report

Posted on 01/07/22

Credit report

Did you know? This simple step can help to protect your identity - for free!

Each of us has a credit report (or credit "file") which compiles our credit history - bank loans, credit cards mortgages, etc. - into one place.  This credit report is used by banks and lenders to determine our worthiness as borrowers. Before buying a house or a car, for example, the bank will examine your credit report.

credit freeze safeguards a person’s credit report and it is the most effective way to protect consumers from identity theft. Without access to this sensitive information, an identity thief is unable to obtain credit in that person’s name, thereby greatly minimizing the potential damage from the theft.

Every report contains our credit history and status of any loans. Depending on activity, a person's credit report contains a lot of useful information for a would-be lender.  However, gaining access to your credit report is also a goal of scammers and identity thieves.

Once the freeze is in place, the consumer receives a special Personal Identification Number or PIN and has control over who can receive their credit report. There is no cost to freeze or unfreeze your credit report.

How to turn on the Credit Freeze:

Contact each of the three major credit bureaus indicating your wish to have a freeze placed on your credit report.  You can do this online or by mail or by phone with all three credit bureaus:  Experian and  Transunion, and  Equifax.  Each credit bureau will provide you with your unique PIN number for any future credit freeze transactions.

Contact info for the three credit bureaus:

  • Equifax:; Equifax Security Freeze, P.O. Box 105069, Atlanta, Georgia 30348

If you choose to request a credit freeze by mail, use this sample language and remember to send your letter by registered mail: 


Credit Reporting Bureau and Address (See below for this information)


I would like to place a security freeze on my credit file.  My name is:

My former name was (if applies):

My current address is:

My address has changed in the past 5 years.  My former address was:

My social security number is:

My date of birth is:

As of 10/15/15, Maine State Law enables me to turn the freeze on and off for free.

Yours Truly,

Your Name


View our Credit Freeze brochure here.

For any questions or concerns regarding the Maine Credit Freeze, you can contact the Maine Bureau of Consumer Credit Protection at 1-800-332-8529 or the Maine Attorney General's office at 1-800-436-2131 or

Be a fraud fighter!  If you can spot a scam, you can stop a scam.

Contact local law enforcement or the AARP Fraud Watch Network at or 1-877-908-3360 to report a scam or for more information on scam and fraud prevention.

To request a speaker for your group or to join our team of volunteer Fraud Fighters in Maine, contact  AARP Maine Communications Director Jane Margesson at 1-866-554-5380 for more information.

This story is provided by AARP Maine. Visit the AARP Maine page for more news, events, and programs affecting retirement, health care, and more.

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