Sign up for our FREE Monthly Email Newsletter
In addition to keeping in the financial know, you may be interested in checking your credit score and report.
¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.
³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.
4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.
As much as we’d all like to think we’re unique creatures, we often share the same problems. How do I know this? I see the same questions coming from Equifax customers every month.
Since April was Financial Literacy Month, let’s take a look at some of the most common questions and try to raise our financial IQ for the rest of the year. The sooner we know how to tackle these common financial questions, the sooner they stop being problems.
FAQ: What is a security freeze, and how do I place a security freeze on my credit report?
A security freeze essentially prevents your credit report from being reported to third parties, except those permitted by law or those for whom you request we lift the security freeze.
Only you can request a security freeze be placed on your Equifax credit file. The security freeze will remain on your Equifax credit file until you request that it be permanently removed, or you request a temporary lift of the security freeze for a specific credit grantor/credit file user or date range.
The easiest and fastest way to place a security freeze on your Equifax credit file is online at Equifax.com. You may also request a freeze by phone or mail.
A security freeze requested with Equifax will freeze only your Equifax credit file. You’ll need to contact TransUnion and Experian directly to freeze those files.
A security freeze will require you to plan ahead for all your credit applications, as you will need to contact us to request that we temporarily lift your freeze so we can report your Equifax credit file. Depending on your state, it may take up to three business days to process your request to temporarily list the security freeze.
FAQ: What are the security freeze fees in my state?
You may be charged a fee for different actions involving security freezes. These fees can vary by action and whether or not you are a documented identity theft victim. Actions include:
Security freeze placement
Date range lift
Specific party lift
Security freeze fees can also differ by state. Visit Equifax.com for a list of the various fees for each state.
Come back for more frequently asked questions, including how to correct errors on your credit report.
The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.
Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.