Verified consumer freeze routes
Use the official company routes below to manage consumer-file freezes. A freeze restricts certain access. It does not delete a source record or freeze another company.
What does this edition cover?
This edition contains only the named, individually verified companies and controls. It does not claim complete CFPB-directory coverage. No personal freeze was placed or lifted in this research.
Version 1.0. 12 published rows. Last verified October 24, 2026.
| Company | File or control | Official action route | How to start | Official phone | Account or PIN | How to lift | Limits | Source and check date |
|---|---|---|---|---|---|---|---|---|
| Equifax | Nationwide credit | Open official route | Online, phone or mail | 888-298-0045 | Free myEquifax account online | Temporary lift or permanent removal | Equifax consumer instructions Checked 2026-10-24 | |
| Experian | Nationwide credit | Open official route | Online; phone and mail routes also listed | 888-397-3742 | Free Experian account; no PIN | Schedule a thaw or permanently remove the freeze | Experian consumer instructions Checked 2026-10-24 | |
| The Work Number | Employment and income verification | Open official route | Online, phone, mail or secure email | 800-367-2884 | Not independently verified | Online, phone, mail or secure email | A freeze can delay loan, employment or benefit verification. | The Work Number consumer instructions Checked 2026-10-24 |
| LexisNexis Risk Solutions | LexisNexis consumer disclosure reports | Open official route | Online, phone or mail | 800-456-1244 | PIN | Temporary lift or permanent removal | Exceptions can allow access. This does not delete public records or freeze other companies. | LexisNexis Risk Solutions consumer instructions Checked 2026-10-24 |
| National Consumer Telecom & Utilities Exchange (NCTUE) | Telecommunications, pay TV and utility accounts | Open official route | Online, phone or mail | 866-349-5355 | Consumer portal account | Temporary lift or permanent removal | National Consumer Telecom & Utilities Exchange (NCTUE) consumer instructions Checked 2026-10-24 | |
| DataX | DataX credit report | Open official route | Online or mail | Not independently verified | Lift or remove the freeze | DataX offers a separate consumer file control. Do not email identity documents. | DataX consumer instructions Checked 2026-10-24 | |
| Clarity Services | Clarity credit file | Open official route | Online; mail, fax and phone also listed | 866-390-3118 | Not independently verified | Temporary lift or permanent removal | Clarity Services consumer instructions Checked 2026-10-24 | |
| TransUnion | Nationwide credit | Open official route | Request directly online, by phone, or by mail | Follow the current company instructions | Permanently remove or temporarily lift through TransUnion | Official route verified. No personal freeze request was tested. No unsupported timing or child eligibility is stated. | USAGov, How to place or lift a security freeze Checked 2026-10-24 | |
| ChexSystems | Checking and savings account file | Open official route | Call the official freeze number or use the company website | 800-887-7652 | Follow the current company instructions | Follow the current official lift instructions | Official route verified. No personal freeze request was tested. No unsupported timing or child eligibility is stated. | Wisconsin DATCP, Credit Report Security Freeze Checked 2026-10-24 |
| Innovis | Credit report | Open official route | Use the official online security-freeze route or call Innovis | 800-540-2505 | Follow the current company instructions | Follow the current official lift instructions | Official route verified. No personal freeze request was tested. No unsupported timing or child eligibility is stated. | North Dakota Attorney General, Credit Security Freeze Checked 2026-10-24 |
| NCTUE prescreen opt-out | Preapproved-offer lists | Open official route | Call NCTUE or mail its opt-out request | 888-327-4376 | Not applicable | Contact NCTUE about opting in | This control covers use of NCTUE data in prescreen lists, not all marketing or public records. | NCTUE consumer FAQ Checked 2026-10-24 |
| OptOutPrescreen | Prescreened credit and insurance offers | Open official route | Online five-year opt-out; mail the permanent election form for a permanent opt-out | Follow the current company instructions | Use the official opt-in route | Official route verified. No personal freeze request was tested. No unsupported timing or child eligibility is stated. | Equifax, Pros and Cons of Pre-Screened Credit Card Offers Checked 2026-10-24 |
How do we keep it current?
Recheck company procedures every six months and record changes. No freeze was placed or lifted as part of this research.
- 2026-10-24 First research edition. Pending rows stay out of public exports.
How can you reuse this table?
Go Low Profile, Verified consumer freeze routes, version 1.0, verified October 24, 2026.
Reference data is licensed under CC BY 4.0. Link the source and identify your changes.