Lock & Alert: Lock Your Equifax Credit Report | Equifax®

A lock and a freeze have the same impact on your Equifax credit reputation, but they are n’t the same thing. Both broadly prevent access to your Equifax credit rating composition to open newfangled credit accounts. Unless you temporarily lift or permanently remove a freeze, or unlock your Equifax recognition report, it ca n’t be accessed to open fresh accounts ( subject to certain exceptions ). See more about exceptions below.

  • Security freezes (also known as credit freezes) are federally regulated and allow you to place, temporarily lift or permanently remove a freeze with a username and password. At Equifax, you can manage your freeze online with your username and password after creating a myEquifax account. Placing, lifting and removing a security freeze is free.
  • Credit report locks allow you to lock and unlock your Equifax credit report using identity verification techniques such as a username and password, Touch ID or FaceID technology. The mobile app also can utilize thumbprint and facial recognition verification. With Lock & Alert, you can quickly lock or unlock your Equifax credit report online or via the mobile app. There are no fees to lock or unlock your Equifax credit report if you are enrolled in Lock & Alert.

Please note: You can not have both a freeze and lock on your Equifax credit report at the same time. If you prefer to switch from one service to the other, you will first need to remove your current service and then replace it with the early .
Exceptions: Freezing or locking your Equifax credit report will prevent entree to it by certain one-third parties. Freezing or locking your Equifax credit composition will not prevent access to your credit report at any other citation agency. Entities that may placid have access to your Equifax credit report include :

  • Companies like Equifax Global Consumer Solutions, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service;
  • Companies that provide you with a copy of your credit report or credit score, upon your request;
  • Federal, state, and local government agencies and courts in certain circumstances;
  • Companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes;
  • Companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe;
  • Companies that authenticate a consumer’s identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and
  • Companies that wish to make pre-approved offers of credit or insurance to you.  To opt out of such pre-approved offers, visit www.optoutprescreen.com.

Equifax maintains consumers ‘ credit reports and provides information to certain customers, including credit circuit board companies, insurers, and lenders, so they may offer pre-approved offers to consumers as permitted by law. Consumers that prefer not to receive such offers should visit www.optoutprescreen.com, or call bell complimentary at 1-888-5-OPT OUT ( or 1-888-567-8688 ). Consumers may besides send an opt-out request in writing to Equifax Information Services LLC, P.O. Box 740123, Atlanta, GA 30374-0123. Consumers should include their accomplished mention, entire address, Social Security number, and signature. Equifax will remove the consumer ‘s appoint from its pre-approved offer database and share the request with the other two nationally consumer report agencies.

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