topic Re: Equifax Credit Freeze in General Credit Topics

Equifax Credit Freeze

GreenThumb553 — Tue, 03 May 2011 19:47:48 GMT

Hello everyone!

I currently have a credit freeze on my Equifax. I wanted to join Alliance CU, but they called and said they needed it to be unfrozen.

I called into Equifax and went through the automated system. (I couldn't, for the life of me, get a hold of a real person.) The automated system wouldn't allow me to unfreeze it. It said I may have to mail my request in. @#$#@#$

Anyone know how I can unfreeze this? Can I try to get a live person to do it, and if so, does anyone have a number?

Thanks in advance!

Re: Equifax Credit Freeze

203bravo — Tue, 03 May 2011 21:36:41 GMT

you should be able to to a temp lift of the freeze via their online tool:

https://www.freeze.equifax.com

Re: Equifax Credit Freeze

tntexans72 — Wed, 04 May 2011 01:04:53 GMT

What's the advantage of freezing your report?

Re: Equifax Credit Freeze

203bravo — Wed, 04 May 2011 13:37:57 GMT

"A credit freeze, for those who don't know, is a way to block your credit reports to make it a lot tougher for an identity thief to get a loan or open a credit account in your name. That's because while a freeze is in place, no one, not even you, can open an account in your name. Lenders, insurers and even employers doing background checks are not able to access your credit file.

You can have the freeze lifted, or "thawed," if you need to get new credit, but you have to give the bureaus a specially issued personal identification number and a few days' notice to do so."

-- Liz Pulliam Weston