With credit lock plus you are in control of your credit reports at transunion and equifax.
Locking equifax credit file.
On your dashboard expand the single bureau lock feature in the list on the right.
While the timing for each bureau s product varies credit locks allow you to quickly lock and unlock your reports in a relatively painless manner usually via an app or the bureau s website.
Freezing or locking your equifax credit report will not prevent access to your credit file at any other credit reporting agency.
What you need to know.
Locking your credit is a procedure that can help prevent identity theft and credit fraud by blocking access to your credit report.
Locking your credit costs nothing at equifax and transunion if you enroll in their separate locking programs but if you choose to use their joint program that locks both at once and also.
To lock your equifax credit report using equifax credit report control sign in to your product.
If someone attempts to apply for credit in your name while your file is locked you will be notified with a real time alert.
You cannot have a security freeze on your equifax credit report along with a lock.
These exceptions may include.
Freezing or locking your equifax credit report prevents access by potential creditors and lenders but there are exceptions.
You can then click lock now to lock your equifax credit report.
There are various types of credit scores and lenders use a variety of different types of credit scores to make lending decisions.
When you lock your credit file with a specific credit bureau lenders can no longer access your credit file from that bureau.
To make a credit lock most effective enroll in the programs at all three of the major consumer credit bureaus equifax experian and transunion.
A credit lock also known as a security lock has the same result as a credit freeze but it s easier and quicker to lock and unlock your credit than to freeze and un freeze or thaw it.
A credit lock allows you to easily lock your credit file helping to protect you against identity theft and unwanted credit activity.
In connection with various settlements equifax is making at least six additional free equifax credit reports each year available online to u s.
Credit report locks are mobile app enabled and allow you to lock and unlock your credit reports using identity verification techniques such as usernames passwords and touch id or face id technology.