![]() Most creditors will not issue new credit to a customer if they cannot see that customer’s credit report or the credit score derived from it from at least one of the three big nationwide consumer reporting agencies – Equifax, Experian, and TransUnion. ![]() What Are Credit Freezes & Why Should I Get Them?Ī credit freeze blocks potential creditors such as a credit card company, a cell phone company, or a lender from viewing your credit report, which shows your credit history. New account identity theft is the most preventable kind of identity theft and can be prevented by getting security freezes, also known as credit freezes. ![]() One of those uses is known as new account identity theft, where someone opens a new account in your name and then proceeds to rack up a ton of debt. However, if and when someone does steal your information, there are a variety of ways it can be used, depending on what was taken. The same form can also be used to temporarily or permanently lift a credit freeze.Defense against any kind of identity theft starts with vigilance about protecting your personal information by taking steps such as creating secure passwords, keeping your social security number private, and shredding personal documents. 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 Once your freeze is set up, you'll be given a PIN that will unfreeze your credit. You'll be asked for your name, address, date of birth and Social Security number to verify your identity. Eastern time during the week, and between 9 a.m. 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. 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. 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 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. ![]() 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. ![]()
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