On this page, click “Place a freeze”, and then “Place a freeze” again.Once into the site, on the righthand side, click “Place a freeze”.Use your phone to receive verification code.Enter identity verification questions ( answering these incorrectly may result in you needing to contact support).Enter your information ( make sure you enter everything correctly the first time, it may not let you try again without contacting support).Access to a previous credit report (if possible)įor those who don’t have an account with Equifax:.Your cell phone or email ready to receive a verification code. Freezing your credit reportīefore you start, make sure you have these available because they may be needed to complete login creation. This article will show you how to place a freeze on your Equifax credit report, how to view that report, and how to lift the freeze as needed. Credit freezes offer the most protection and are completely free. Equifax is one of the three main credit bureaus and allows you to place one of the five different freezes.Ĭredit freezes are not the same as credit locks, or credit monitoring. Placing a credit freeze is one of the simplest, yet most effective things to do in order to protect yourself from credit fraud. Please note that you can have either a security freeze or credit report lock on your Equifax credit report, but not both.Ĭlick here to review who can view your credit report if you have a security freeze or lock.How to Place and Remove an Equifax Credit Freeze A credit report lock allows you to lock and unlock your credit report online or by mobile app using identity verification techniques such as usernames and passwords. Credit report lock: A credit report lock generally has the same impact on your credit report as a security freeze.Download this form for mailing instructions. You can place a security freeze on your Equifax credit report online after creating a myEquifax account, by phone, or by mail. Freezes must be placed, lifted or removed separately with each of the three nationwide credit bureaus. Unless you temporarily lift or permanently remove a freeze from your credit report, it can’t be accessed to open new accounts (subject to certain exceptions). Security freeze: A security freeze generally prevents access to your credit report to open new credit accounts.You can place a fraud alert online after creating a myEquifax account, by calling (800) 525-6285, or by mail. Download this form for mailing instructions. That bureau will send your request to the other two, so you do not have to contact all three. Fraud alerts are free, and you can contact any of the three nationwide credit bureaus (Equifax, Experian and TransUnion) to request a fraud alert. This can make it harder for someone to open unauthorized accounts in your name. Fraud alerts encourage lenders and creditors to take extra steps to verify your identity, such as contacting you by phone, before opening a new credit account in your name or making changes to existing accounts. Fraud alert: A fraud alert is a notice on your credit report that alerts creditors you are or may be a victim of fraud, including identity theft.See more about the various options below. We recommend choosing the ones that best suit your credit activity. You don’t need to choose a single option.
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