Security Freeze or Credit Report Lock?

Both a security freeze and a credit report lock have the same impact on your credit reports, but there are differences. Learn more about each. [Duration- 1:15]

 

What you will learn:

  • How security freezes and credit report locks work
  • What to do if you have a security freeze or a credit report lock and you’re applying for credit
  • How to decide which is right for you
Lock and Alert Logo

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 file will prevent access to it by certain third parties. Locking your Equifax credit file will not prevent access to your credit file at any other credit reporting agency. Entities that may still have access to your Equifax credit file include: companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score, or monitor your credit file; federal, state, and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection purposes; 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.