![]() If the request is made by mail, the security freeze must be placed no later than 3 business days after receiving the request. A nationwide credit reporting company must place a security freeze within 1 business day of your request if made by telephone or secure electronic means.Equifax: Take control of your Equifax® credit report, (800) 685-1111.For more information, visit the nationwide credit reporting companies' websites or call the numbers below: You can place a "freeze" on your credit file at any time, but you must contact each credit reporting company. Other credit reporting companies, for example employment or tenant screening companies, might charge a fee to place and lift a security freeze based on your state laws. The federal law requiring free security freezes does not apply to someone who requests your credit report for employment, tenant-screening, or insurance purposes. Under a federal law effective September 21, 2018, you can freeze and unfreeze your credit record for free at the three nationwide credit reporting companies – Experian, TransUnion, and Equifax. Companies that you've hired to monitor your credit file.Certain government entities like child support agencies.Creditors of accounts you currently hold.Only a limited number of entities can see your file while a freeze is in place, including: Security freezes can be useful in preventing an identity thief from opening a new credit account in your name. Experian Security Freeze – P.O.Creditors typically won't offer you credit if they can't access your credit reporting file, so a security freeze, also called a credit freeze, prevents you or others from opening accounts in your name.TransUnion Fraud Assistance Department – P.O.If you are a victim of identity theft you cannot be charged a fee for this service provided you submit a valid copy of a police report or an FTC ID Theft Affidavit. Expect a credit reporting agency to remove or lift the Security Freeze for a party to receive a report within three business days of your request provided you submit proper identification, your password or PIN and payment of any applicable fee.Ī consumer reporting agency is permitted to charge consumers who are not victims of identity theft a fee of up to $5 for the removal or lifting of a Security Freeze, the second or subsequent placement of a Security Freeze or the replacement of a lost password or PIN. ![]()
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