![]() Also see the Identity Theft Resource Center’s How to Place a Credit Freeze guide. You need only place a fraud alert with one credit bureau, which will notify the others.įor more information about protecting yourself against identity theft, see The Equifax Data Breach: What You Should Do. Creating an account requires you to provide your name, address, Social Security number, date of birth, and identity verification information. To complete the freeze, you’ll first have to create a myEquifax account. A fraud alert signals to businesses that you may have been a victim of identity theft and that they should verify your identity before opening any new accounts. The fastest way to freeze your credit report is online via Equifax’s website. ![]() The new law also lengthens the duration of a fraud alert that you can place on your credit file from 90 days to one year. It’s free whether you lift or thaw a freeze. Follow the instructions to place or manage your freeze. More information on credit report bans can be found on our FAQ page. You can place, temporarily lift, or permanently remove a freeze on your Equifax credit report. While a ban is in force, credit providers cannot view your credit report without your specific written permission. And after that time period has elapsed, the credit will freeze again-no additional action is necessary on the part of the consumer.” Lifting a credit freeze, on the other hand, removes the freeze until the consumer actively requests the freeze from the credit bureau again. Placing a ban (or freeze) on your credit report can help prevent fraudulent accounts being opened in your name. A copy of a government-issued identification card, such as a driver's license or state ID card, etc. ![]() Your full name, including middle initial and suffix, such as Jr., Sr. You can do so online or through the mail. For example, if a consumer knows they will be applying for credit, they can request a thaw for a day, or a week or another specified time period. The process to place a security freeze requires that you directly contact each of the credit reporting companies. There is no fee for Indiana residents to place, temporarily lift, remove or request a new. There are no fees for placing, temporarily lifting, or permanently removing a security freeze on your credit reports. “A thaw (or unfreezing) of one’s credit allows them to temporarily remove the freeze for a specified period of time. Any Indiana resident can request a credit freeze free of charge. “Understanding the correct terminology is important,” says Eva Velasquez, CEO and president of the Identity Theft Resource Center. You may also call Experian to request a security freeze removal at 1-88 or by mail at the following address: Experian Security Freeze. You can also make the request by mail, in which case the bureau has to lift the freeze within three days of receiving the request. The freeze remains in effect until you take steps to remove it-either temporarily or permanently. The easiest way to remove a credit freeze is to visit Experian’s Freeze Center and request it there, with your PIN. Here are the phone numbers by credit union: Equifax credit freeze lift: Call 88.
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