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Frequently Asked Questions: How Do I Place a Security Freeze on My Credit Report?

Written by Diane Moogalian on May 2, 2011 in Credit  |   No comments

Frequently Asked Questions: How Do I Place a Security Freeze on My Credit Report? Diane Moogalian, Equifax Credit Team 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…

Frequently Asked Questions: How Do I Place a Security Freeze on My Credit Report?
Diane Moogalian, Equifax Credit Team

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
Permanent removal
PIN replacement

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.

Read More:

3 Steps to Taking Control of Your Credit Report
Credit Trends: When Will Foreclosure Levels Start to Fall?
Consumers Need to Limit Debt Because Creditors Won’t Do It For You

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