Locking Your Equifax Credit File

You ll need to unlock your equifax credit report when you re requesting new credit for example buying a car or applying for a loan and require a credit check.

Locking your equifax credit file.

Freezing or locking your equifax credit report prevents access by potential creditors and lenders but there are exceptions. You cannot have a security freeze on your equifax credit report along with a lock. You can then click lock now to lock your equifax credit report. If you don t plan on applying for any new credit in the near future and your state doesn t allow credit freezing fees a freeze may be the way to go.

Companies like equifax global consumer solutions which provide you with access to your credit report or credit score or monitor your credit report as. Freezing or locking your equifax credit report will not prevent access to your credit file at any other credit reporting agency. As a result of the equifax data breach more than 145 million americans have had their personal data exposed. Download the lock alert app on the apple app store or google play or visit the lock alert page.

On your dashboard expand the single bureau lock feature in the list on the right. Lock alert makes locking and unlocking your equifax credit report easy. Credit report locks are mobile app enabled and allow you to lock and unlock your credit reports using identity verification techniques such as usernames passwords and touch id or face id technology. To lock your equifax credit report using equifax credit report control sign in to your product.

This article explains how to lock and monitor your credit at all three credit bureaus. Locking your equifax credit report will not prevent access to your credit report at any other credit reporting agency. Just click or swipe to lock and unlock. Entities that may still have access to your equifax credit report include.

We ll alert you of your new status. Request a fraud or active duty alert place an alert on your credit reports to warn lenders that you may be a victim of fraud or on active military duty. Locking your credit is a procedure that can help prevent identity theft and credit fraud by blocking access to your credit report. A credit lock also known as a security lock has the same result as a credit freeze but it s easier and quicker to lock and unlock your credit than to freeze and un freeze or thaw it.

These exceptions may include. Dispute information on your equifax credit report submit a dispute if you notice something is inaccurate or incomplete on your credit report.