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Question about Equifax freeze

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
Sunny007
Contributor

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


@Sunny007 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
Super Contributor

Re: Question about Equifax freeze


@Sunny007 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. 


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
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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