Placing Credit Freezes with Smaller CRAs

If you place a credit freeze with each of the 3 major credit reporting agencies (CRAs) (Experian, Equifax and TransUnion), you'll cover about 90-95% of potential Identity fraud and theft.

There are some smaller CRAs that you could also place freezes with. Sometimes they are used by some of the phone carriers/cell phone stores or other businesses who need to make a decision about approving your credit. However, you would only be enhancing your identity fraud and theft coverage by about 1%. If it gives you more peace of mind to freeze these as well, then please use the list below.

Here is a list of the smaller, popular CRAs:

• Sagestream

  • SageStream, LLC is now part of LexisNexis® Risk Solutions. Requests from this site will be processed through the LexisNexis® Risk Solutions Consumer Center.
  • Howvever, you can Opt-Out of Unsolicited Credit and Insurance Offers by submitting this form: Opt-Out Election Form

• CoreLogic

  • Now is called Teletrack, which used to be owned by CoreLogic, but has been acquired by Equifax.
  • Note: Teletrack is a consumer reporting agency, sometimes referred to as a "non-traditional" credit reporting agency. It provides data to businesses, particularly those serving low-income or subprime consumers, like payday lenders, rent-to-own stores, and furniture financing companies.
  • Visit the Teletrack website: Find the form for requesting a security freeze on the Teletrack Consumer Assistance website.
    1. Complete the Initial Request Form: Fill out the form with the required information.
    2. Receive Email for Verification: Teletrack will likely send an email requesting additional information for identity verification.
    3. Provide Identification Documents: Respond to the email and provide the requested documents.
    4. Send the Freeze Request Form: Send the completed form to Teletrack Freeze, PO Box 740007, Atlanta, GA 30374.
    5. Receive PIN and Confirmation: Once your identity is verified, Teletrack will place the security freeze and send you a PIN, which will be required to unfreeze your credit.

• LexisNexis

  • LexisNexis allows you to place a security freeze through these methods:
    • Online: This is the most convenient method. Visit the LexisNexis Security Freeze page and follow the online instructions to submit your request.
    • Mail: You can send a written request to LexisNexis via U.S. Mail. The address is: Attn: Security Freeze, Atlanta, GA 30348-5108.
    • Phone: You can call LexisNexis at 1-800-456-1244 to request a security freeze.

• Innovis

  • Contact Method: Phone or Mail
  • Phone Number:
    • Main Office: 800-245-1096
  • Steps:
    • Call Innovis to request a credit freeze.
    • Follow the prompts or instructions provided during the call.
      If you need to do it by mail, send a completed form with your identification and other required documents.

• DataX Ltd

  • Note: To complete a security freeze with DataX, you must request it by mail. You'll need to download and complete the Credit Freeze Request Form, sign it, and mail it to DataX.
    • Download and Complete the Form: Find the DataX Credit Freeze Request Form online and download it.
    • Gather Necessary Documents: You'll need a copy of your Social Security Card and documentation confirming your current address (e.g., state ID, driver's license, utility bill, bank statement).
    • Fill Out the Form: Carefully complete the form, including your name, date of birth, Social Security number, and other requested information.
    • Sign the Form: Sign the form in the designated area.
    • Mail the Form: Mail the completed form, along with the required documents, to the following address:
      • DataX, and Equifax Company
      • Consumer Reporting Division
      • P.O. Box 740124
      • Atlanta, GA 30374

• Factor Trust

  • Note: To place a security freeze with FactorTrust, you need to contact TransUnion, as FactorTrust is a TransUnion service. You can add a freeze, temporarily lift it, or remove it, all free of charge. This freeze will prevent new loans or services from being opened in your name without your consent.
    • Here's a step-by-step guide:
      1. Access the FactorTrust Portal: Go to the FactorTrust portal, which is a TransUnion service.
      2. Choose "Security Freeze": Select the option to add a Security Freeze.
      3. Follow the instructions: You'll need to provide information and possibly verify your identity to complete the freeze process.
      4. Confirm the freeze: Once you've submitted your request, the freeze should be placed on your FactorTrust credit report.

• MicroBilt / Connect

  • Note: To request a security freeze or fraud alert or active duty alert be placed on your consumer report with MicroBilt, you may complete and sign the Security Freeze / Fraud Alert / Active Duty Alert Form and return it via U.S. Mail at the below address, or call toll-free at the below number. The Form is offered as a convenience to you, though you do not have to use it to submit your request, as long as you provide sufficient information and documentation for MicroBilt Consumer Affairs to confirm your identity, and process your request.
    • MicroBilt Consumer Affairs
    • Phone: 888-222-7621 or Phone: 800-884-4747 option #5
      • Fax: Available Upon Request
    • Hours: Monday - Friday 8:30AM - 5:00PM ET
    • Mailt to:
      • Attn: Consumer Affairs Department
      • P.O. Box 440693
      • Kennesaw, GA 30160

• Clarity Services Inc

  1. Requesting a Security Freeze:
     • Online:
       • You can access Clarity Services website to request a security freeze online.
     • By Mail or Fax:
       • You can download and complete a Security Freeze Request form, as shown on their website, and then mail or fax it to Clarity Services.
  2. Placing the Freeze:
     • When requesting the freeze, you'll need to provide your Social Security Number (without hyphens or dashes), Date of Birth, and other relevant information.
     • You'll also need to provide a PIN number, which you'll need later to remove or temporarily lift the freeze.
  3. Removing or Lifting the Freeze:
     • Temporarily Lifting:
       • To temporarily lift the freeze, you'll need to contact Clarity Services and provide your PIN number.
     • Permanently Removing:
       • You can permanently remove the freeze by contacting Clarity Services and providing your PIN number.

• ChexSystems

  • Contact Method: Phone or Mail
  • Phone Number:
    • Main Office: 800-428-9623
    • Steps:
      • Call ChexSystems to request a credit freeze.
      • Follow the prompts or instructions provided during the call.
      • If you need to do it by mail, send a completed form with your identification and other required documents.

• NCTUE

  • Steps for completing a security freeze with NCTUE:
    1. Visit the NCTUE Consumer Portal: Go to the NCTUE website and navigate to the consumer services section.
    2. Create an Account (if needed): If you don't have an account, create one using your name, address, and other required information.
    3. Locate the "Place a Freeze" Option: Find the option to place a security freeze on your NCTUE credit report.
    4. Provide Personal Information: Fill out the required information, including your name, address, date of birth, and other details.
    5. Submit the Request: Once you have entered the necessary information, submit your request to place a security freeze.
    6. Receive Confirmation and PIN: You will receive a confirmation of your request, which may include a unique PIN that you will need to unfreeze your credit report in the future.
    7. Save the PIN: Keep your PIN in a safe place, as you will need it to unfreeze your credit report when needed.

• Certegy

  • Note: They primarily deal with check writing history and risk assessment for businesses.
    1. Obtain your Certegy Report (Optional)
    2. Contact Certegy:
       • Phone: You can call Certegy's customer service line to inquire about their security freeze process and request a freeze.
       • Mail: Send a written request to Certegy's address, clearly stating your intention to place a security freeze on your file. Include your full name, address, date of birth, and other identifying information.
       • Online (if available): Check Certegy's website for an online portal or form for security freeze requests.
    3. Follow Certegy's Instructions
    4. Confirm the Freeze

Lastly, it is important to remember that placing a freeze makes it difficult to extend new lines of credit not just for others but for you as well. If your credit needs to be run, you will need to temporarily lift the freeze, so keep that in mind if you do decide to go with freezing the smaller CRAs and make note of who you have placed freezes with.