Credit Freeze Tracker: All Three Bureaus Plus The Four Most People Miss

Freezes are free at all three bureaus by federal law. This tracks those, plus the four registries a credit freeze does not cover.

The three nationwide bureaus

EquifaxFreeze at Equifax ExperianFreeze at Experian TransUnionFreeze at TransUnion

The ones a credit freeze does not cover

NCTUETelecom and utility accounts are checked here, not against your credit file. NCTUE freeze ChexSystemsNew chequing and savings accounts are checked here. ChexSystems freeze IRS Identity Protection PINStops a return being filed in your name. Request an IP PIN my Social Security accountClaim it before somebody else does. Create the account Pull your statutory credit reportsFree by federal law from the only authorised site. AnnualCreditReport.com

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Why this list is longer than three

A credit freeze at the three nationwide bureaus stops most new-account fraud, and it is free by federal law. It does not cover everything. Utility and telecom accounts are checked against NCTUE; new bank accounts are checked against ChexSystems; tax returns and Social Security are separate systems again. Each of those has its own freeze or lock, and each is missed by almost everyone who freezes only the big three.

A freeze blocks new credit being opened in your name. It does not stop fraud on accounts you already have, and it does not remove your data from anywhere.

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Sources

Freezes are free and what they do: FTC, What To Know About Credit Freezes and Fraud Alerts.
Free statutory credit reports: AnnualCreditReport.com, the only site authorised under federal law.
Credit reports and scores, general guidance: Consumer Financial Protection Bureau.