How To Help a Relative Freeze Their Credit
A step-by-step guide to placing a credit freeze on behalf of a family member to block fraudulent new accounts.
Last reviewed: 1 June 2026
A credit freeze — also called a security freeze — stops lenders from accessing a credit file, making it much harder for fraudsters to open new accounts in someone else's name. It costs nothing to place or lift, and it is one of the strongest preventive tools available. Helping a relative set one up is a practical act of care, not an overreaction.
Understand what a freeze does and does not do
A freeze blocks new credit applications but does not affect existing accounts, your relative's credit score, or their ability to use cards they already have.
- Existing accounts remain fully usable
- The freeze can be lifted temporarily when your relative genuinely needs new credit
- It does not prevent all fraud — existing-account fraud still requires other protections
- Each credit reference agency must be contacted separately
Gather what is needed before contacting the agencies
Each agency will need identity verification. Having documents ready makes the process quicker and less stressful.
- Full legal name, date of birth, and current address
- Recent address history if they have moved in the last two years
- A form of government-issued ID
- A note of any PIN or reference number received — store it safely
Contact each credit reference agency
In the UK the main agencies are Experian, Equifax, and TransUnion. In other countries the relevant bureaus differ — check the national consumer regulator website for the correct list.
- Request a freeze online, by phone, or by post — all options are available
- Keep a written record of the date and any confirmation reference
- Set a calendar reminder to lift the freeze if your relative plans to apply for credit soon
- Check back after 30 days to confirm the freeze is still active
Keep the process collaborative
Where possible, do this together with your relative rather than on their behalf — it keeps them informed and in control.
- Explain each step before you take it
- Let your relative make the calls or clicks where they are comfortable
- Store any PINs somewhere your relative can access independently
Conversation script
“I read that placing a credit freeze is one of the best free steps anyone can take — would you like to do it together? It only takes about 20 minutes.”
“It does not affect anything you already have — cards, loans, accounts all work exactly as normal. It just stops anyone opening something new in your name without your permission.”
“We can lift it any time you need to apply for credit, and then put it back straight away.”
Frequently asked questions
Does a credit freeze cost anything?
No. In the UK and most other countries, placing, lifting, and reinstating a credit freeze is free of charge by law.
Can I place a freeze on behalf of someone else?
Usually you must go through the agency's process together with your relative. Some agencies accept a third-party request with written authorisation or a lasting power of attorney.