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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 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. You can place a security freeze in any one of three ways: Phone: Call each of the credit bureaus at the number provided below: Transunion: 1-88. How to set up a credit freeze with Equifax by telephoneĬall Equifax at (888) 298-0045 between 9 a.m. In order to effectively freeze access to your credit files, you must request a security freeze to be placed at each of the three major credit bureaus. 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.
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Removing a security freeze allows access to your credit report. Suspending a security freeze allows temporary access to your credit report during a specified period of time, which is necessary when applying for credit. Go to the dedicated page on the Equifax website at and click "Get started with a freeze." Adding a security freeze blocks access to your credit report, preventing creditors from seeing your data. This is the easiest way to freeze your credit with Equifax. Placing, temporarily lifting, and permanently removing a security freeze is free and can also be done online at. 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. Youll need to provide documentation to verify their identity, your identity and your ability to act on their behalf. 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. A security freeze is one tool you can use to restrict access to your minor dependents credit reports. The quickest and easiest way to freeze your credit is online. To do this with a credit freeze, you have to log into your account on the Equifax website. How To Freeze Your Credit With Experian, Equifax and TransUnion. 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.