equifax security freeze or credit file lock

#Equifax security freeze or credit file lock license

But they also have telephone and mail options, which you might need if you’re freezing someone else’s credit. It’s a great option because you can also quickly unfreeze your account that way as well.

#Equifax security freeze or credit file lock license

That might mean providing copies of personal documents, such as a driver’s license and a bank statement.Įach bureau lets you freeze your credit online.

To freeze your credit reports, you’ll need to contact each of the three major credit bureaus: Equifax®, Experian® and TransUnion®.Įach bureau has its own process, but be prepared to share some personal information, such as your Social Security number (SSN) and birthdate. It’s worth noting that placing a credit freeze won’t affect your ability to build credit with your existing accounts and that it’s still important to pay all your bills on time.

But be aware, you’ll have to unfreeze your credit if your plans change. If your personal information were to fall into the wrong hands, having a freeze in place can make it more difficult for scammers to open accounts without your permission.Įven if you don’t have any immediate concerns, you may choose to freeze your credit as a precaution- especially if you aren’t planning to open any new accounts soon. Lenders review your credit before issuing you a new line of credit or a loan. In some cases, you may also be able to freeze accounts on behalf of your children or other adults you’re responsible for. And when your account is frozen, it makes it harder for scammers to open new lines of credit in your name.Ĭredit freezes aren’t just for adults. They’re sometimes called security freezes. Credit freezes restrict access to your credit reports.