9/27/2023 0 Comments Call equifax security freezeYou'll also have the option to receive a one-time PIN by text message or answer questions based on information in your Equifax credit report for identity verification. If you're managing a freeze by phone, you'll be required to give certain information to verify your identity. You can manage your security freeze through your myEquifax account. In addition, you can place, temporarily lift or permanently remove a freeze by mail by downloading this form, which contains instructions, including documents you'll need to verify your identity and address. To place a freeze by phone, you can call our automated line at (800) 349-9960. Once you've placed the security freeze on your Equifax credit report, you'll be able to verify its status through your myEquifax account. You can place a security freeze on your Equifax credit report online by creating a myEquifax account. Placing or removing a security freeze is free however, you must contact each of the three nationwide credit bureaus separately to add or cancel a security freeze. You can still check your credit scores, but the only way you'll be able to open a new line of credit yourself is to take the freeze off of your account and put it back on again after you're done. It blocks certain third parties from opening new lines of credit in your name. Security freezesĪ security freeze is a more extreme but more secure option. Fill out the form and follow the instructions to mail it to Equifax along with any required documents. To request an extended fraud alert, download a copy of the Equifax Extended Fraud Alert Request Form. Download this form for instructions and mailing address. You can also call Equifax at (800) 525-6285 or send a request by mail to place a fraud alert. Once you have placed a fraud alert, you'll be able to verify its status through your myEquifax account. If you'd like to place an initial one-year fraud alert on your Equifax credit report, you can do so online by creating a myEquifax™ account. Fraud alerts are less secure than security freezes because lenders aren't actually required to verify your identity when they see a fraud alert on your account. The benefit of a regular fraud alert is that once you notify one of the nationwide credit bureaus - Equifax®, Experian® or TransUnion® - that bureau is required to notify the others and they'll all add the alert to their files. If your identity has been stolen and you have a police report detailing the theft, you can request an extended fraud alert, which lasts for seven years. An alert lasts for 90 days but can be renewed. Here's how they differ: Fraud alertsĪ fraud alert warns lenders that there's a risk of fraud on your accounts, encouraging (but not requiring) them to verify your identity before issuing credit in your name. Fraud alerts and security freezes both protect your credit history by making it more difficult for identity thieves or others to open new lines of credit in your name.
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