How to Freeze Your Clarity Services Report.

Freeze your Clarity Services report at consumers.clarityservices.com/securityFreeze, or call 866-390-3118 and choose Option 1. Clarity gives you a PIN, and you need it later to lift or remove the freeze.

Clarity is a specialty agency owned by Experian that covers subprime, payday and alternative-lender checks. A freeze limits who can view the report; it does not correct anything already in the file.

A Clarity freeze blocks new payday, installment and telecom accounts in your name

A Clarity freeze stops lenders and service providers from viewing your Clarity report to approve new payday loans, installment loans, auto leases or telecom accounts in your name. Your existing creditors still manage your current accounts, and you can still request your own annual report.

Clarity is an Experian-owned specialty credit reporting agency that focuses on subprime, payday and alternative financial services. The freeze is a restriction on your consumer report there.

What do you need ready before you freeze your Clarity Services report?

For a mailed or faxed request, bring the completed security freeze request form with identity verification documents. Placing the freeze costs nothing under federal law.

The Fair Credit Reporting Act, Section 605A (15 U.S.C. 1681c-1), requires a nationwide consumer reporting agency to place a security freeze free of charge no later than 1 business day after you ask by toll-free phone or secure electronic means, or 3 business days after a mailed request. It must send confirmation within 5 business days and explain how to remove the freeze, including how it will authenticate you (Economic Growth, Regulatory Relief, and Consumer Protection Act, 2018). The Federal Trade Commission (What To Know About Credit Freezes and Fraud Alerts, 2025) states there is no cost to place or lift a freeze and that a freeze does not affect a credit score.

Clarity’s published procedure for a mailed or faxed request runs as follows (Clarity Services, Inc., How to Request a Security Freeze; Security Freeze Request Form 2.3, 05/22):

1. Download and print the Security Freeze Request form (version 2.3, dated 05/22) from the same page.
2. Complete Section 1, Name: last name, first name, middle name, and maiden name or other last name used.
3. Complete Section 2, Contact Information: street address (including P.O. Box and apartment number), city, state, zip code, email, and phone.
4. Complete Section 3, Identity Information: Social Security number, written without hyphens or dashes, and date of birth in MM/DD/YYYY format.
5. Complete Section 4, Approval: enter the date (MM/DD/YYYY) and sign the form, confirming you are requesting a security freeze on your file with Clarity Services, Inc.
6. Print clearly. The form states: “An unreadable request form will not be processed.”
7. Keep the PIN number provided when the freeze is placed. The form states that to later remove or temporarily lift the freeze, you must contact Clarity with your request along with that PIN.
8. For help with questions or to process the request by phone, call Consumer Support at (866) 390-3118, Monday through Friday, 9 a.m. to 5 p.m. EST, to get help with questions and to process the request.

How do you place a Clarity Services freeze online?

Place it on Clarity’s security freeze page, consumers.clarityservices.com/securityFreeze. When you place the freeze, Clarity gives you a Personal Identification Number (PIN).

How do you freeze your Clarity report by phone, mail or fax?

Call Clarity Services customer support at 866-390-3118 and select Option 1 for a security freeze. For mail or fax, fill out the security freeze request form and send it with identity verification documents to Clarity Services; the form steps are listed above.

What should you do with your Clarity Services freeze PIN?

Store your PIN somewhere safe the day you get it, because Clarity asks for it when you temporarily lift or permanently remove the freeze. Clarity’s published procedure for that request (Clarity Services, Inc., Temporarily Lift or Permanently Remove a Security Freeze Form) runs as follows:

1. Complete the Temporarily Lift or Permanently Remove a Security Freeze Form, printing clearly (an unreadable request form will not be processed). Form use is optional.
2. Enter your name (last, first, middle) and any maiden or other last name used.
3. Enter your address (street, P.O. Box, apartment number), city, state and ZIP code.
4. Enter your Social Security number without hyphens or dashes, and your date of birth (MM/DD/YYYY).
5. Choose a temporary lift of your existing security freeze and enter the date range (date from and date to), or choose to remove it permanently.
6. Enter your existing unique personal identification number (PIN).
7. Sign the form and enter the date (MM/DD/YYYY) under the Approval section, certifying that the information is accurate and complete and authorizing Clarity Services, Inc. to fulfill the selected request.
8. Mail the completed form to: P.O. Box 16, Allen, TX 75013.

A Clarity freeze does not freeze your Equifax, Experian or TransUnion reports

The Federal Trade Commission (What To Know About Credit Freezes and Fraud Alerts, 2025) says a freeze is placed separately with each of the three nationwide bureaus.

Each bureau publishes its own route. Equifax says you can manage your freeze online with a myEquifax account or by phone at (888) 298-0045, and that placing a freeze is free (Equifax, Security Freeze). Experian says its online service is “the easiest and quickest way to manage your credit freeze,” with mail to Experian Security Freeze P.O. Box 9554 Allen, TX 75013 if you cannot use it (Experian, Freeze or Unfreeze Your Credit File for Free). TransUnion says “The quickest and easiest way to freeze your credit file is online through the TransUnion Service Center,” and you can also call 800-916-8800 (TransUnion, Credit Freeze).

Which tool helps you dispute credit report errors after a Clarity freeze?

The table sets CreditRefresh beside Dovly, Dispute Beast, Credit Karma and Lexington Law on price, bureau reach and Trustpilot score.

Every price is that company’s own published rate, as its own site states it. Trustpilot scores and review counts as published.

Credit Karma sits at 1.1 on Trustpilot. William F. left a one-star review of Credit Karma on September 5, 2026 that reads: “WHY do these people send you absolutely bullshit alerts for example insurance company William got a deal with progressive for $75 bullshit I already have progressive and it’s $350 a month WHY are they sending B’s alerts All the time????”

Nat gave Dispute Beast two stars on Trustpilot on September 6, 2026: “Dispute Beast did Nothing for me but took my payments. There’s an extra fee for each letter the system sends on your behalf.”

Jennifer C. wrote a one-star Trustpilot review of Lexington Law on March 20, 2024: “Their policy read they would initially charge $14.95 but $99 was withdrawn from my account.”

How CreditRefresh drafts the disputes a freeze cannot

Refresh Monitoring costs $49.99 per month and includes CreditRefresh. It gives you access to reports from Equifax, Experian and TransUnion, and CreditRefresh drafts dispute letters for all three using reports pulled through the monitoring partner. You can cancel anytime.

You review and approve every letter before it is sent, inside the app. You decide which letters to approve, then either download and mail the package yourself or authorize a separate RushMail order through Pay & send.

Members who work the full program and see no bureau score rise above where they started can claim back every Refresh Monitoring payment. That is a refund promise, never a score promise, and the conditions are at creditrefresh.ai/guarantee; read them before relying on eligibility. CreditRefresh is software, not a law firm, and its letters are not legal advice.

FAQ

How do you lift a Clarity freeze for one loan application?

Clarity says you can temporarily lift a freeze online, by mail or fax using the appropriate form, or by phone with its Consumer Support Team (Clarity Services, Inc., How to Request a Security Freeze). The temporary-lift form asks for your existing PIN and a date range, “Date from” and “Date to” (Clarity Services, Inc., Temporarily Lift or Permanently Remove a Security Freeze Form, 2022).

Why isn’t my Clarity Services report on my Experian report?

Equifax, Experian and TransUnion are the nationwide credit bureaus but not the only consumer reporting agencies; dozens of specialty agencies compile files on narrower slices of a person’s life. Clarity says its data comes from “online small dollar lenders, online installment lenders, single payment, line of credit, storefront small dollar lenders, auto title and rent-to-own” (About: Clarity Services, Inc.). The CFPB lists its report as covering payday loans, installment loans, auto loans (and leasing), check cashing services, rent-to-own transactions, telecommunication account openings, and financial services (Consumer Financial Protection Bureau, Clarity Services, Inc.). We focus on the three nationwide credit bureaus, not specialty agencies.

Should you place a freeze or a fraud alert?

The Federal Trade Commission (Credit Freezes and Fraud Alerts: Help Protect Your Identity) states a freeze is free, available to anyone for any reason, lasts until lifted, and is placed by contacting all three credit bureaus. A fraud alert is placed with one bureau, which has to tell the other two, and lasts one year. The FTC lists Equifax at 800-685-1111, Experian at 888-397-3742 and TransUnion at 888-909-8872.

How can you watch your existing accounts after a freeze?

Refresh Monitoring costs $49.99 per month and provides access to reports from Equifax, Experian and TransUnion. CreditRefresh access is included at no additional cost. We pull and monitor the three nationwide credit bureau reports, and CreditRefresh drafts dispute letters that you review and sign.

Does a freeze remove errors from your Clarity report?

No. A freeze limits who can view the report; it does not correct anything in it. The Fair Credit Reporting Act (1970) gives you the right to dispute inaccurate, incomplete or unverifiable information, and to have unverifiable items corrected or deleted.

What happens if you apply for a payday loan while your Clarity report is frozen?

A freeze prevents lenders, financial institutions and service providers from viewing your Clarity report to approve new payday loans, installment loans, auto leases or telecom accounts in your name. Your existing creditors still manage your current accounts, and you can still request your own annual report.

CreditRefresh We draft dispute letters for Equifax, Experian and TransUnion that you review and sign before anything is mailed. Backed by a 100% money-back guarantee.

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