Locking Your Equifax Credit File

Lock alert allows you to quickly lock and unlock your equifax credit report.

Locking your equifax credit file. Download the lock alert app on the apple app store or google play or visit the lock alert page. You can then click lock now to lock your equifax credit report. You must lock your credit reports separately at each nationwide credit bureau equifax experian and transunion. Locking your equifax credit report will not prevent access to your credit report at any other credit reporting agency.

You ll need to unlock your equifax credit report when you re requesting new credit for example buying a car or applying for a loan and require a credit check. This article explains how to lock and monitor your credit at all three credit bureaus. Freezing or locking your equifax credit report prevents access by potential creditors and lenders but there are exceptions. Entities that may still have access to your equifax credit report include.

Dispute information on your equifax credit report submit a dispute if you notice something is inaccurate or incomplete on your credit report. Lock alert makes locking and unlocking your equifax credit report easy. Locking your credit is a procedure that can help prevent identity theft and credit fraud by blocking access to your credit report. To lock your equifax credit report using equifax credit report control sign in to your product.

You cannot have a security freeze on your equifax credit report along with a lock. A credit lock also known as a security lock has the same result as a credit freeze but it s easier and quicker to lock and unlock your credit than to freeze and un freeze or thaw it. As a result of the equifax data breach more than 145 million americans have had their personal data exposed. We ll alert you of your new status.

Request a fraud or active duty alert place an alert on your credit reports to warn lenders that you may be a victim of fraud or on active military duty. Locking or freezing your credit file may help prevent criminals from opening fraudulent accounts in your name. These exceptions may include. If you don t plan on applying for any new credit in the near future and your state doesn t allow credit freezing fees a freeze may be the way to go.

Credit report locks are mobile app enabled and allow you to lock and unlock your credit reports using identity verification techniques such as usernames passwords and touch id or face id technology. Freezing or locking your equifax credit report will not prevent access to your credit file at any other credit reporting agency.