The same form can also be used to temporarily or permanently lift a credit freeze. We recommend sending the letter via certified mail. You'll need to mail it, along with copies of your Social Security card or pay stubs showing the number, plus copies of your driver's license, utility bills or other documents showing your address, to: Print and fill out the form on this page. How to set up a credit freeze with Equifax by mail You can learn more about security freezes and freezing your Experian credit file on our blog. Copy of a utility bill, bank or insurance statement, etc. You’ll need to give your Social Security number, street address and state of. You can request an Equifax security freeze by calling 88. Copy of a government issued identification card, such as a driver's license, state ID card, etc. Freeze your Equifax credit report by phone. Once your freeze is set up, you'll be given a PIN that will unfreeze your credit. Complete addresses for the past two years. You'll be asked for your name, address, date of birth and Social Security number to verify your identity. A federal law that went into effect in September 2018 made placing, temporarily lifting, or permanently removing a security freeze free nationwide. Eastern time during the week, and between 9 a.m. While you may know that, and may even have a security freeze on your credit reports, here are some facts you may not know about security freezes. How to set up a credit freeze with Equifax by telephoneĬall Equifax at (888) 298-0045 between 9 a.m. You won't need to set up a PIN to unfreeze it if you have an Equifax account - your username and password will be enough. Then you'll be able to freeze your credit. Make sure the password is unique and strong. Equifax will retrieve your information and prompt you to set up an Equifax account. Then you'll have to fill out personal information, including your name, address, date of birth and Social Security number. Go to the dedicated page on the Equifax website at and click "Get started with a freeze." This is the easiest way to freeze your credit with Equifax. You will need to file a separate request with each of the major consumer reporting agencies, Equifax, Experian, TransUnion and. How to set up a credit freeze with Equifax online We also have guides on how to freeze your credit with Experian and how to freeze your credit with TransUnion. To complete the freeze, you’ll first have to create a myEquifax account. Equifax doesn't let you have a credit lock and a credit freeze at the same time.īelow is how to set up an Equifax credit freeze. The fastest way to freeze your credit report is online via Equifax’s website. The difference is that Lock & Report isn't regulated by the federal government, and Equifax makes more money if it's easier to unlock your files. To do this with a credit freeze, you have to log into your account on the Equifax website. You still need to monitor all bank, credit card, and insurance statements for fraudulent transactions.Equifax also offers a free service called "Lock & Report" that is basically the same as a credit freeze, except that there are mobile apps for iOS and Android that let you "unlock" your Equifax credit file with a swipe of a finger. It doesn’t prevent him or her from making charges to your existing accounts. A credit freeze only prevents a thief from opening a new account in your name.Unlike a freeze, its protections aren’t guaranteed by law, and there may be a fee. A lock is similar, but it can be applied or removed almost instantly either online or through a mobile app offered by the credit bureaus. Don’t confuse a credit freeze with a credit lock.If you don’t know, make sure to contact all three bureaus. If you opt for a temporary lift and know which credit bureau your lender will contact, you can save time by making your request at that bureau only.(As long as you know roughly how long your loan applications will take to process, setting a time frame is a good way to give yourself time to apply to multiple lenders to get the best rate.) You can specify how long you want the freeze to be lifted-a day, a week, or more-or you can do it indefinitely.Unfreezing your credit is quick and free, but there are a few things to remember:
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