(Consumers had complained after the breach that the PINs issued by Equifax were hard to keep track of and weren’t generated in a secure way.) Now, instead of issuing PINs, Equifax has consumers establish a password-protected online account. 19 in response to “consumer feedback,” said a spokeswoman, Nancy Bistritz-Balkan. If you would like to place, extend or lift a ban on your Equifax credit report, please enter your details in the form below. (PINs are still needed, though, if you want to lift a freeze by calling on the phone.)Įquifax, which suffered a major data breach last year, changed its approach on Sept. With the new law taking effect, two bureaus - Equifax and TransUnion - this month abandoned the use of personal identification numbers, or PINs, to manage freezes online. People who had already established security freezes, and now want to thaw them to apply for a loan or credit card, will see a difference. Consumer advocates recommend a freeze at all three bureaus as a way to thwart identity thieves. Download and follow the instructions on the Minor Freeze Request form. You can lift a credit freeze from your credit file with Equifax by one of the following: Request it with your PIN via the website Calling the automated system at (800) 349-9960 Mailing your request Equifax Security Freeze P.O. To place a security freeze on the Equifax credit report of a minor (under the age of 16), you will need to submit proof of their identity, along with yours, and proof that you are their authorized representative. Freezing means lenders can’t check your credit file unless you “thaw” the freeze, preventing criminals from opening credit cards or borrowing money in your name. Life Stages Whether you’re saving up for a car, home, or college. 21, a new law requires that the three major credit reporting bureaus - Equifax, Experian and TransUnion - allow consumers to place or lift a security freeze on their credit files without charge. Annual 3-Bureau credit report and VantageScore credit scores. Please note: You cannot have both a freeze and lock on your Equifax credit report at the same time. 1-Bureau credit report and VantageScore credit score. There are no fees to lock or unlock your Equifax credit report if you are enrolled in Lock & Alert. People who froze their credit files before September may notice some changes when the time comes to thaw the files.Īs of Sept. With Lock & Alert, you can quickly lock or unlock your Equifax credit report online or via the mobile app.
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