Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Locking your Equifax credit report will prevent access to it by certain third parties. Freezing or locking your Equifax credit report prevents access by potential creditors and lenders, but there are exceptions. Equifax will remove the consumer's name from its pre-approved offer database and share the request with the other two nationwide consumer reporting agencies.įreezing or locking your Equifax credit report will not prevent access to your credit file at any other credit reporting agency. Consumers should include their complete name, full address, Social Security number, and signature. Consumers may also send an opt-out request in writing to Equifax Information Services LLC, P.O. Consumers that prefer not to receive such offers should visit or call toll free at 1-888-5-OPT OUT (or 1-88). To opt out of such pre-approved offers, visit Equifax maintains consumers' credit reports and provides information to certain customers, including credit card companies, insurers, and lenders, so they may offer pre-approved offers to consumers as permitted by law. Companies that wish to make pre-approved offers of credit or insurance to you.Companies that authenticate a consumer's identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud and.Companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe.Companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes. Federal, state, and local government agencies and courts in certain circumstances.Companies that provide you with a copy of your credit report or credit score, upon your request.
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