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When it comes time to open a new line of credit-for instance, if you apply for a new credit card-you’ll need to lift the freeze to give the creditor access to your file. You’ll need to lift a freeze to give a creditor access to your credit file.For example, you’ll have to contact all three credit bureaus. It requires some effort to place, lift, or remove a credit freeze. If you forget or lose your PIN, you’ll have to take extra steps to get a new one. If you want to lift or freeze your credit reports, you are required to provide your PIN. That means fraudsters could make charges on a payment card in your wallet.
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You can have a security freeze or a lock on your Equifax credit report, but not both. That’s no longer the case-now it's completely free. Click the 'Temporarily lift a security freeze' option to set a range of dates during which your Equifax credit report will be unfrozen or click 'Permanently remove a security freeze' to lift the freeze indefinitely. If you have Equifax Complete Family Plan, Equifax Complete Premier, Equifax Credit Monitor or Equifax Complete, you can replace a security freeze with a lock on your Equifax credit report through your myEquifax account. To opt out of such pre-approved offers, visit are a few benefits of placing a freeze on your credit files.Īt one time you might have had to pay a fee to freeze or unfreeze your credit files. Entities that may still have access to your Equifax credit report include: companies like Equifax Consumer Services LLC, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service companies that provide you with a copy of your credit report or credit score, upon your request federal, state and local government agencies and courts in certain circumstances companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe companies that authenticate a consumer's identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud and companies that wish to make pre-approved offers of credit or insurance to you. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Locking your Equifax credit report will prevent access to it by certain third parties.