#EQUIFAX FREEZE VS LOCK FOR FREE#

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.

#EQUIFAX FREEZE VS LOCK FOR FREE#

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.

Equifax freeze vs lock