Who can view my Equifax credit report if I have a security freeze or credit report lock?
Locking or freezing your Equifax credit report will prevent access to it by certain third parties. Locking or freezing your Equifax credit report will not prevent access to your credit report at any other credit bureau. 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.
Equifax maintains consumers’ credit reports and provides information to certain customers, including credit card companies and lenders, so that they may offer pre-approved offers to consumers as permitted by law. Consumers that prefer not to receive such offers should visit www.optoutprescreen.com, or call toll free at 1-888-5-OPT OUT (or 1-888-567-8688). Consumers may also send an opt-out request in writing to Equifax Information Services LLC, P.O. Box 740123, Atlanta, GA 30374-0123. Consumers should include their complete name, full address, Social Security number, and signature. Equifax will remove the consumer’s name from its pre-approved offer database and share the request with the other two nationwide consumer reporting agencies.