![]() ![]() We therefore also recommend freezing your credit report at NCTUE. Follow the instructions to place or manage your freeze. NOTE: Some news outlets have reported that cell phone companies have opened fraudulent accounts using credit reports provided by the National Consumer Telecom & Utilities Exchange (NCTUE). You can place, temporarily lift, or permanently remove a freeze on your Equifax credit report. ![]() It just means you’ll have to unfreeze your credit report before applying for a new loan.) ![]() (There’s a potentially confusing “Security Freeze Warning” section. Some steps will vary but the process is very similar. You also can get a free freeze for your children who are under 16. Starting September 21, 2018, you can freeze and unfreeze your credit file for free. As part of your Equifax Complete Family Plan, Equifax Complete Premier, Equifax Credit Monitor or Equifax Complete product, you can lock or unlock your Equifax credit report within your myEquifax account. Now repeat the steps with the other two big credit bureaus. Security freezes, also known as credit freezes, restrict access to your credit file, making it harder for identity thieves to open new accounts in your name. You can place, temporarily lift or permanently remove a freeze on your Equifax credit report for free online, by phone or by mail. You’ll need it later if and when you want to lift the freeze on your reports. Consumers should include their complete name, full address, Social. Consumers may also send an opt-out request in writing to Equifax Information Services LLC, P.O. Step #7 This is key: Record your PIN in a safe place. Consumers that prefer not to receive such offers should visit or call toll free at 1-888-5-OPT OUT (or 1-88). Step #6 Download and view your “one-time PDF,” which contains your PIN. Step #5 Confirm that you want to freeze your credit report. According to the Federal Trade Commission, the three major credit bureaus are required to lift a freeze within one hour if the request is made online or by phone. Step #4 Click “Place Or Manage A Freeze.” The timeline for lifting a credit freezesometimes known as a 'security freeze'depends on how you request it. You may need to enter a code that the credit bureau sends to your email. Step #3 Follow the directions to verify your identity. Once a minor’s Equifax credit report is frozen, it will remain frozen until you, as the child’s parent or guardian, take action or the child takes action to lift or remove it after his or her 16th birthday. All three major credit bureaus, Equifax included, allow you to freeze your credit online, by phone or by regular mail. You’ll need to provide your full name, date of birth, address, email and Social Security number. Step #2 If you don’t already have an account, make one. ![]()
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