![]() Afterward, your Equifax credit report will be frozen again. Follow the instructions to place or manage your freeze. 3 Select 'Place a Freeze' or 'Manage a Freeze.' You can place, temporarily lift, or permanently remove a freeze on your Equifax credit report. Next time, you can find this option in the main menu, under Your Identity. You can also lift a security freeze by phone by calling our automated line at (800) 349-9960 or calling Customer Care at (888) 298-0045. You can find Freeze on the myEquifax main page. Call 1-88 or visit to request a permanent opt-out. At Equifax, you can use your myEquifax account to lift a security freeze for a date range you specify. It is also a good idea to opt-out of pre-screened credit card offers - not only do they clutter your mailbox, they are gold to an identity thief. There are smaller information clearinghouse entities that you can ask to freeze your personal information, including Innovis and ChexSystems. You want a deadbolt for your credit report, not a doorman hired to watch for fishy things! What Else Can I do? Don't be fooled by credit monitoring (Lifelock) or passive security "locks" that falsely claim to be better - demand a security "freeze" which is legally mandated. Security Freeze or Security Lock?Ĭredit bureaus are not happy about freezes as it prevents them from profiting on your information. Equifax Experian TransUnion You can submit your request online, by phone, or by mail. Then take a look at the Security Freeze FAQ from the U.S. That's it! Read more about the huge benefits of security freezes and the new "Ice Age" at KrebsOnSecurity. On the infrequent occasion when you need to apply for credit (new card, new house, new vehicle), you will need to temporarily "thaw" your security freeze for a few days while the bank, escrow, or dealership runs a credit check. Despite warnings to the contrary, this is not something that only victims of identity theft should do - everyone should do this! This does not affect your use of credit cards that are already issued. The freeze does not disable your FICO score, which will continue to fluctuate as normal. This is much like a firewall for your credit file - without the PIN, not even you will be able to pull the report when the freeze is in place. You’ll only need a PIN to make changes to your freeze via phone or mail. Once the freeze is in place, nobody can pull your credit history without a special random 10-digit PIN sent to you in the postal mail. What is permissible purpose Manage Pin You won’t need a PIN to make changes to your freeze online. ![]()
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