![]() ![]() If Equifax’s system uptime is unacceptable to you, we invite you to file a CFPB complaint, call your congressperson, or tweet at Equifax’s executives. After the phone system fails to freeze your credit automatically, press 0 to be connected to a human agent who will confirm your information and process the freeze.Įquifax’s system can be down for many days at a time. Equifax may have expanded hours for COVID-19 support. A security freeze means that your credit file cannot be seen by potential creditors or employers doing background checks unless you give your consent. If you do not have a mobile number, use your home phone number. ![]() Mobile number (XXX-XXX-XXXX) We may text you to verify your identity and to provide service-related alerts. The only way to complete your freeze is to call Equifax at 88 from 9am-5pm Eastern Time, Monday through Friday. Your Social Security number helps us locate your credit report and verify your identity. After the phone system fails to freeze your credit automatically, press 0 to be connected to a human agent who will confirm your information and process the freeze. Equifax may have expanded hours for COVID-19 support. ![]() You will not be able to complete your freeze request online or by phone. The only way to complete your freeze is to call Equifax at 88 from 9am-5pm Eastern Time, Monday through Friday. If you see a “We are temporarily unable to complete this request” screen like this one when signing in, Equifax’s system is down. A credit freeze, also known as a security freeze, completely blocks the information on your credit report from would-be creditors. Eastern time during the week, and between 9 a.m. Remember, Equifax is a financial credit bureau, not a tech company like Google. How to set up a credit freeze with Equifax by telephone, Call Equifax at (888) 298-0045 between 9 a.m. The myEquifax logo looks a little different than the other Equifax branding, but this is normal. All you have to do is call 1-(888) 298-0045 to start the process. As 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. You can also freeze your credit with Equifax over the phone. You can place, temporarily lift or permanently remove a freeze on your Equifax credit report for free online, by phone or by mail. Requests by mail: Three business days after receiving the request for removal.Equifax uses a webapp called “myEquifax” as its consumer account system to control credit freezes. A security freeze (also known as credit freeze) of your Equifax credit report is regulated by federal law.To clear up any confusion, here’s a side-by-side table of the differences between a credit lock and credit freeze. The credit reporting bureaus offer credit lock services, too. Requests by toll-free telephone or secure electronic means: One hour after receiving the request for removal. A credit freeze is something you initiate directly with one (or all) of the major credit reporting bureaus: Equifax, TransUnion and Experian. Can I call Equifax to unfreeze credit At Equifax, you can use your myEquifax account to lift a security freeze for a date range you specify. A credit freeze (also known as a security freeze) allows an individual to control how a consumer reporting agency (also known as a credit bureau: Equifax, Experian, TransUnion, and Innovis) is able to sell personal financial identity data.The credit freeze locks the data at the consumer reporting agency until the individual gives permission for.The Economic Growth, Regulatory Relief, and Consumer Protection Act set an official timeline for when credit freezes need to be removed, after a consumer's request: Once you freeze your account, you will receive a PIN from each credit bureau. We've tested this for all three credit bureaus and were able to apply for a credit card within the hour. When you unfreeze your credit, you typically have access to your credit report within an hour, but it may vary. If you remove a freeze, reinstate it once the application process is complete. You also have the option to completely remove the freeze, which we don't recommend doing unless you don't have a finite timeline on when your credit will be pulled. You can place, temporarily lift, or permanently remove a security freeze on your Equifax credit report in several ways. There will be the option to temporarily lift a freeze for a set amount of time, which can be used if you need to apply for a credit card, mortgage, loan or other financial product. Placing, lifting and removing a security freeze is free. You can unfreeze your credit by going to the same credit bureau websites that you accessed to freeze your credit, or by calling the numbers listed above. ![]()
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