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Question about Equifax freeze

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rudolphreindeer
Regular Contributor

Question about Equifax freeze

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!

FICO® Score 8 (Apr 2021)
EX 764 | EQ 771 | TU 800



TCL: $72,900
INQs in last (6 m./12 m.)
EX (2/2) | EQ (0/2) | TU (0/1)
Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Question about Equifax freeze

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! 

Message 2 of 5
rudolphreindeer
Regular Contributor

Re: Question about Equifax freeze


@Anonymous wrote:
Good luck! 

Thank you! Smiley Happy

FICO® Score 8 (Apr 2021)
EX 764 | EQ 771 | TU 800



TCL: $72,900
INQs in last (6 m./12 m.)
EX (2/2) | EQ (0/2) | TU (0/1)
Message 3 of 5
CreditInspired
Community Leader
Super Contributor

Re: Question about Equifax freeze


@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. 


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Message 4 of 5
rudolphreindeer
Regular Contributor

Re: Question about Equifax freeze


@CreditInspired wrote:

Yep, freezing and unfreezing take a couple of minutes. 


Thank you! Already frozen Robot Indifferent

FICO® Score 8 (Apr 2021)
EX 764 | EQ 771 | TU 800



TCL: $72,900
INQs in last (6 m./12 m.)
EX (2/2) | EQ (0/2) | TU (0/1)
Message 5 of 5
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