![]() ![]() ![]() To opt out of such pre-approved offers, visit Equifax maintains consumers’ credit reports and provides information to certain customers, including credit card companies and lenders, so that they may offer pre-approved offers to consumers as permitted by law. Companies that wish to make pre-approved offers of credit or insurance to you.Companies that authenticate a consumer’s identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud and.Companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe.Companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes.Federal, state, and local government agencies and courts in certain circumstances.Companies that provide you with a copy of your credit report or credit score, upon your request.Companies like Equifax Global Consumer Solutions, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service.Entities that may still have access to your Equifax credit report include: Locking or freezing your Equifax credit report will not prevent access to your credit report at any other credit bureau. NOTE: Experian is the only credit bureau that allows a telephone request to remove a security freeze at 1-88 but requires certified or overnight mail for all removal requests by mail.Locking or freezing your Equifax credit report will prevent access to it by certain third parties. Send a written request to the credit bureaus by mail (see addresses below). Include proper identification (name, address, social security number) and the PIN number or password provided to you when you placed the security freeze.The credit bureaus have 3 business days after receiving your request to lift the security freeze for identified entities or individuals.Call or send a written request to the credit bureaus by mail (see telephone numbers and addresses below), include proper identification (name, address, social security number) and the PIN number or password provided to you when you placed the security freeze as well as the identity of those entities or individuals you would like to receive your credit report or the specific period of time you want the credit report available. ![]() To lift the security freeze to allow a specific entity or individual access to your credit report: Government agencies may also access your credit file in response to court or administrative orders, a subpoena, or a search warrant. Your report can still be released to your existing creditors or to collection agencies acting on their behalf, as well as new creditors who may make offers of credit. When you have a security freeze on your credit file, certain entities still have access to it. Who can see my credit file if it is frozen? How long does it take for a security freeze to go into effect?Īfter three business days from receiving your letter, the credit reporting agencies will place a freeze providing credit reports to potential creditors.Īfter five business days from receiving your letter to place a freeze on your account, the credit reporting agencies will send you a confirmation letter containing a unique PIN or password that can be used to authorize the removal or lifting of a security freeze. It is free to place, lift or remove a security freeze.
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