Credit Security Freeze

how to freeze your credit

Victim of Identity Theft? Follow these steps to freeze your credit.

What it is:

You may place, temporarily lift or remove a security freeze on your Equifax credit file under state law or the Equifax voluntary security freeze program. A security freeze is designed to prevent the information in your Equifax credit file from being reported to others, such as credit grantors and other companies, except those exempted by law or those for whom you contacted us and requested that we temporarily lift the security freeze or those that access during a period of time when you requested we temporarily lift the security freeze. To determine the methods and fees for placing, requesting a temporary lift or removing a security freeze .

Who can request:

Only you can request that a security freeze be placed on your Equifax credit file and only you can request that it be removed or temporarily lifted. Additionally, the security freeze will generally remain on your Equifax credit file until: 1) you request that it be removed or 2) you request a temporary lift of the security freeze for a specific party or parties, or specific period of time, as applicable under state law or the Equifax voluntary security freeze program.

Need to Plan Ahead:

If you choose to place a security freeze on your credit file, be sure to plan ahead for all of your credit applications. Under the laws of some states, it may take up to three business days to process a request to temporarily lift a security freeze. Additionally, you may not be able to request a temporary lift of a security freeze during non-business hours or on weekends.

Victim of ID Theft:

If you are an ID theft victim you may be eligible for free security freeze services as provided by your state's security freeze law. You will need to provide Equifax in writing an ID theft report or similar documents as required by your state. Please mail all required information to Equifax at

Equifax Security Freeze

P.O. Box 105788

Atlanta, Georgia 30348

Submitting Freeze Request by Mail:

Although some states allow a security freeze to be placed, temporarily lifted or removed in other ways, in most cases to request that a security freeze be placed or removed on your Equifax credit file, please make your request in writing to us by mail. To determine how to place, temporarily lift

or remove a security freeze from your Equifax credit file, see the requirements for your particular state of residence.

To submit your security freeze requests via mail, please submit the following personal ID information: your complete name, including any suffix (e.g. Jr. Sr. etc.), complete address, Social Security number and date of birth.

  • For the placement of a security freeze, provide the above required personal ID information via mail.
  • To temporarily lift a security freeze, you must submit all of the following along with the required personal ID information:
    • 10 digit personal identification number (PIN)
    • Date range, if your state allows for a date range lift, (e.g. March 15 - March 21) for the temporary lifting of the security freeze, or
    • Proper information regarding the third party to receive your credit report (e.g. Sears), if your state allows for a party(ies) lift.
  • To permanently remove a security freeze, you must submit all of the following along with the required personal ID information:
    • 10 digit personal identification number (PIN)
    • Two (2) forms of identification (e.g. pay stub with address and utility bill)

Please return your required personal ID information along with any additionally required information noted above to:

Equifax Security Freeze

P.O. Box 105788

Atlanta, Georgia 30348

Charges for Security Freezes:

The charges for security freeze requests on your Equifax credit file varies by state. These are the fees associated with your state's file freeze law.

Please include payment by check, money order, or major credit card for the appropriate fees. For VISA, MasterCard, Discover or American Express payment, please include your name as it appears on the card, the card number and the expiration date.

Security Freeze Request Confirmation:

Once we place, temporarily lift or remove a security freeze on your Equifax credit file, we will provide you confirmation. Be sure to retain the 10-digit security freeze personal identification number (PIN) provided to you when you place the security freeze, as you will need this to request a temporary lift or removal of your security freeze. If you lose your PIN, you may request a new PIN. Learn more about a Security Freeze.

Experian/Transunion:

If you want to place a security freeze on your Experian or TransUnion credit files, you will need to contact them directly at:

Source: www.equifax.com

Category: Credit

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