![]() Print and fill out the form on this page. How to set up a credit freeze with Equifax by mail ![]() Once your freeze is set up, you'll be given a PIN that will unfreeze your credit. You'll be asked for your name, address, date of birth and Social Security number to verify your identity. Eastern time during the week, and between 9 a.m. How to set up a credit freeze with Equifax by telephoneĬall Equifax at (888) 298-0045 between 9 a.m. You won't need to set up a PIN to unfreeze it if you have an Equifax account - your username and password will be enough. Then you'll be able to freeze your credit. Make sure the password is unique and strong. Equifax will retrieve your information and prompt you to set up an Equifax account. Then you'll have to fill out personal information, including your name, address, date of birth and Social Security number. Go to the dedicated page on the Equifax website at and click "Get started with a freeze." This is the easiest way to freeze your credit with Equifax. How to set up a credit freeze with Equifax online We also have guides on how to freeze your credit with Experian and how to freeze your credit with TransUnion. Equifax doesn't let you have a credit lock and a credit freeze at the same time.īelow is how to set up an Equifax credit freeze. The difference is that Lock & Report isn't regulated by the federal government, and Equifax makes more money if it's easier to unlock your files. To do this with a credit freeze, you have to log into your account on the Equifax website. General Accountability Office and an in-depth analysis by Bloomberg Businessweek.Equifax also offers a free service called "Lock & Report" that is basically the same as a credit freeze, except that there are mobile apps for iOS and Android that let you "unlock" your Equifax credit file with a swipe of a finger. The crisis was the subject of a detailed report by the U.S. “As the broader investigation into the Equifax breach continues, some state officials want to know why Equifax didn’t say something sooner. The inquiries are aimed at determining whether Equifax might have violated state laws requiring companies to notify consumers promptly when cyber-thieves steal personal data.” The failure by Equifax to disclose the data breach for six weeks sparked additional headlines and investigations.Īccording to the Wall Street Journal in October 2017, “Attorneys general in at least five states are looking into why credit-reporting firm Equifax Inc. didn’t tell the public for nearly six weeks about the massive data breach that potentially compromised the personal information of 145.5 million Americans. “Three other executives, including the chief financial officer, have drawn scrutiny for selling $1.8 million of company stock just days after the breach was discovered internally but nearly six weeks before it was announced to the public.” Delayed Disclosure Sparks Investigations The company said its chief information officer and chief security officer retired earlier this month. “The breach has sparked multiple investigations at the state and federal level, including the Department of Justice in Atlanta, where Equifax is based, and the Federal Trade Commission. On September 26, 2017, CNBC reported that, “Richard Smith, CEO and chairman of Equifax, abruptly retired Tuesday following a data breach at the credit-reporting service that affected the personal information of 143 million people. ![]() The second breach of customers’ trust may prove just as difficult.” “The breach of sensitive personal data may be impossible to repair. ![]() The information includes names, birth dates, addresses and Social Security numbers. “Hackers stole personal information for as many as 143 million individuals from Equifax’s credit files, leaving them vulnerable to identity theft. The question for Equifax is whether Smith follows the example of Tylenol after fatal product tampering, BP after a fatal oil spill, or JetBlue after a disruptive ice storm. “Corporate America is no stranger to such existential moments. ![]()
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