topic Re: Question about Equifax freeze in General Credit Topics

Question about Equifax freeze

rudolphreindeer — Tue, 25 Aug 2020 23:53:47 GMT

May be this question should be in General credit section, but it does refer to the application process. So please excuse me.

If I have EQ freeze on, how quickly is to unfreeze it in the situation if I am applying for a credit card and will be on the phone with an underwriter and I need to give access to my EQ right away? Can it be done quickly? Is it reliable?

Asking about particularly about EQ "freeze", not "lock" with Lock&Alert, although I will appreciate any info about "lock" too.
EQ lock is sending a verification code via mail, how strange is it!

I need to use "freeze", but afraid it wouldn't "unfreeze" quickly. I never used EQ freeze before.

TIA myFico and good luck to everyone!

Re: Question about Equifax freeze

Anonymous — Wed, 26 Aug 2020 01:01:21 GMT

It's pretty quick if you are using an app or are doing it online. I would unlock it right before the call with the underwriter and you should be fine.

Good luck!

Re: Question about Equifax freeze

rudolphreindeer — Wed, 26 Aug 2020 04:12:52 GMT

@Anonymous wrote:
Good luck!

Thank you!

Re: Question about Equifax freeze

CreditInspired — Wed, 26 Aug 2020 08:57:46 GMT

@Anonymous wrote:
It's pretty quick if you are using an app or are doing it online. I would unlock it right before the call with the underwriter and you should be fine.

Good luck!

Yep, freezing and unfreezing take a couple of minutes.

Re: Question about Equifax freeze

rudolphreindeer — Wed, 26 Aug 2020 09:40:02 GMT

@CreditInspired wrote:
Yep, freezing and unfreezing take a couple of minutes.

Thank you! Already frozen