Does freezing my file automatically freeze my spouse's file? Answer Does freezing my file mean that I won't receive pre-approved credit offers? Answerġ4. Can an employer do a background check on me if I have a freeze on my credit file? Answerġ3. Will a freeze lower my credit score? Answerġ2. Do I have to freeze my file with all three credit reporting agencies? Answerġ1. Can anyone see my credit file if it is frozen? Answerġ0. Can I order my own credit report if my file is frozen? Answerĩ. Can a creditor get my credit score if my file is frozen? AnswerĨ. What will a creditor who requests my file see if it is frozen? Answerħ. How long does it take for a security freeze to be lifted? AnswerĦ. How long does it take for a security freeze to be in effect? Answerĥ. What is the difference between a fraud alert and a freeze? AnswerĤ. Can I open new credit accounts if my files are frozen? Answerģ. How do I place a security freeze? AnswerĢ. If you believe that you are the victim of identity theft, please contact your local law enforcement agency and file a police report with them. If your credit files are frozen, even someone who has your name and Social Security number would probably not be able to get credit in your name.Ī security freeze can help prevent identity theft. Most businesses will not open credit accounts without checking a consumer's credit history first. A security freeze means that your file cannot be shared with potential creditors. If you live in New Jersey, you have the right to put a " security freeze" on your credit file. 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.Home > Consumer Information > Personal Finance > Credit Awareness/ID Theft > How to Freeze Your Credit Files Consumers should include their complete name, full address, Social Security number, and signature. Consumers may also send an opt-out request in writing to Equifax Information Services LLC, P.O. Consumers that prefer not to receive such offers should visit or call toll free at 1-888-5-OPT OUT (or 1-88). To opt out of such pre-approved offers, visit 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. Companies that wish to make pre-approved offers of credit or insurance to you.Companies that are authenticating your identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud and.Companies that have a current account or relationship with you, and collection agencies acting on behalf of those to whom you owe an unpaid debt.Companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes.Federal, state and local government agencies and courts in certain circumstances.Companies that provide you with a copy of your credit report or credit score, upon your request.Companies like Equifax, 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.Entities that may still have access to your Equifax credit report include: If you prefer to switch from one service to the other, you will first need to remove your current service and to replace it with the other.Įxceptions: Freezing or locking your Equifax credit report will not prevent access to your credit report at any other credit bureau. Please note: You cannot have both a freeze and lock on your Equifax credit report at the same time. Credit report locks allow you to lock and unlock your Equifax credit report. You can place, temporarily lift or permanently remove a freeze on your Equifax credit report for free online, by phone or by mail.Īs part of your Equifax Complete™ Family Plan, Equifax Complete™ Premier, Equifax Credit Monitor™ or Equifax Complete™ product, you can lock or unlock your Equifax credit report within your myEquifax account. See more about exceptions below.Ī security freeze (also known as credit freeze) of your Equifax credit report is regulated by federal law. Unless you temporarily lift or permanently remove a freeze, or unlock your Equifax credit report, it can't be accessed to open new accounts (subject to certain exceptions). Both generally prevent access to your Equifax credit report to open new credit accounts. A lock and a freeze have the same impact on your Equifax credit report, but they aren't the same thing.
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