![]() Equifax: Call (800) 349-9960 or request a credit freeze online. TransUnion Fraud Assistance Department – P.O. If you don’t want to complete your credit freeze request over the phone, you have the option to request a freeze online.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.Use the password or PIN to temporarily lift or permanently remove your Security Freeze. ![]() You may be asked to answer questions to verify your identity, for your protection. You can also place and manage your security freeze by phone: call us at 888-Equifax (1-88). Learn how to place and lift a credit freeze with Equifax, a tool that prevents lenders from accessing your credit report and history. Expect a password or Personal Identification Number (PIN) in confirmation letter from each of the credit reporting agencies which must be sent within 10 days of placing the Security Freeze. You can place and manage a security freeze on your Equifax credit report online by creating or signing into your myEquifax account.The mobile app also can utilize thumbprint and facial recognition verification. Credit report locks allow you to lock and unlock your Equifax credit report using identity verification techniques such as a username and password, Touch ID or FaceID technology. Allow five business days upon receipt of your request for the credit reporting agencies to place a Security Freeze on your credit file. Placing, lifting and removing a security freeze is free.Send a certified letter, with proper identification, to each of the three nationwide credit reporting agencies: TransUnion, Experian and Equifax.The consumer will have to allow time for the credit reporting agency to temporarily lift or remove the freeze and “ thaw” the record for an authorized user. However, with a security freeze in place, a consumer may not be able to secure instant credit, insurance coverage or other benefits. With a security freeze activated, if an identity thief attempts to apply for credit or a loan in a consumer’s name, the creditor or lender would not gain access to the consumer’s credit file and consequently would not approve the new application. As of November 1, 2006, New Yorkers who are concerned that they are at risk of having their identities stolen or have become victims of identity theft can block a thief’s access to their lines of credit by placing a security “freeze” on their credit report.
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