Are You Familiar With Security Freezes and Credit Report Locks?

A security freeze and credit report lock may seem like they are the same. What are some of the differences? [Duration- 2:15]

*Please note: As of Sept. 21, 2018, an Equifax security freeze PIN will not be needed for online transactions. A PIN will be required to temporarily lift or permanently remove a security freeze on your Equifax credit report by phone or mail. 

What you will learn:


•    How security freezes and credit report locks work
•    How each restrict certain access to your credit reports
•    Which one may be right for you

 

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Help control who has access to your Equifax® credit report. It's free.

Equifax is helping put you in control of your Equifax credit report. With Lock & Alert, you can quickly and easily lock and unlock your Equifax credit report with a click or swipe, and we’ll send a confirmation alert.1

  1. Locking your Equifax credit report will prevent access to it by certain third parties. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax credit report include: companies like Equifax Global Consumer Solutions, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer's identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre-approved offers of credit or insurance to you.  To opt out of such pre-approved offers, visit www.optoutprescreen.com.