Locking Your Equifax Credit File

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.

Locking your equifax credit file.

You cannot have a security freeze on your equifax credit report along with a lock. We ll alert you of your new status. 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. Download the lock alert app on the apple app store or google play or visit the lock alert page.

As a result of the equifax data breach more than 145 million americans have had their personal data exposed. 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. 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. Freezing or locking your equifax credit report will not prevent access to your credit file at any other credit reporting agency.

You can then click lock now to lock your equifax credit report. These exceptions may include. To lock your equifax credit report using equifax credit report control sign in to your product. Lock alert makes locking and unlocking your equifax credit report easy.

Companies like equifax global consumer solutions which provide you with access to your credit report or credit score or monitor your credit report as. Dispute information on your equifax credit report submit a dispute if you notice something is inaccurate or incomplete on your credit report. Entities that may still have access to your equifax credit report include. You must lock your credit reports separately at each nationwide credit bureau equifax experian and transunion.

Locking or freezing your credit file may help prevent criminals from opening fraudulent accounts in your name. Locking your equifax credit report will not prevent access to your credit report at any other credit reporting agency. This article explains how to lock and monitor your credit at all three credit bureaus. Just click or swipe to lock and unlock.

On your dashboard expand the single bureau lock feature in the list on the right. Freezing or locking your equifax credit report prevents access by potential creditors and lenders but there are exceptions.