Credit Freeze Canada: How to Lock Your Credit File

A credit freeze — also called a security freeze — is one of the most powerful fraud prevention tools available to Canadians. When you freeze your credit file at Equifax Canada and TransUnion Canada, most lenders cannot access your file to approve new credit. This effectively prevents identity thieves from opening new accounts in your name, even if they have your personal information.

What a Credit Freeze Does in Canada

• Prevents most lenders from pulling your credit file for new credit applications
• Does not affect your existing accounts or credit score
• Does not prevent you from checking your own score (soft inquiry)
• Does not prevent existing lenders from reviewing your file on current accounts
• Can be temporarily lifted (thawed) when you need to apply for credit
• Is completely free in Canada (both bureaus)

Credit Freeze vs. Fraud Alert

How to Freeze Your Credit at Equifax Canada

1. Call Equifax Canada at 1-800-465-7166 or go to equifax.ca
2. Request a security freeze on your credit file
3. You will need to verify your identity (name, address, date of birth, SIN)
4. Equifax will provide you a PIN or reference number to use when you want to temporarily lift the freeze
5. The freeze takes effect immediately or within 1-3 business days

How to Freeze Your Credit at TransUnion Canada

1. Call TransUnion Canada at 1-800-663-9980 or go to transunion.ca
2. Request a security freeze
3. Provide identity verification details
4. Keep your PIN or password for when you need to temporarily lift the freeze

How to Temporarily Lift (Thaw) Your Freeze

When you're ready to apply for new credit, you can temporarily thaw your freeze:

• Call the bureau or log in online and request a temporary lift
• Specify a duration (e.g., 5 days) or lift it for a specific lender
• Apply for your credit product during the thaw window
• The freeze automatically re-engages after the specified period, or you can reinstate it immediately after your application

Does a Credit Freeze Affect Your Credit Score?

No. A credit freeze has zero effect on your credit score. It does not show up as a negative item. It does not prevent your score from improving or declining based on your regular credit activity. It simply blocks most new credit applications from going through — which is exactly what you want when you're protecting against fraud.