After the infamous 2017 breach that exposed 147 million people, Equifax promised to make freezes truly free and (mostly) painless. So how does the unfreeze experience hold up today?
Do all three bureaus (Equifax, Experian, TransUnion) at once. A lender will just go to the next frozen one if only Equifax is open.
Freezing and unfreezing your credit report is an essential tool for protecting your financial identity. By understanding the process and using the resources provided by Equifax, you can take control of your credit report and prevent unauthorized access. Remember to keep your PIN or password secure and only unfreeze your credit report when necessary.
To unfreeze your credit report by mail, you'll need to send a written request to:
Following the breach, many individuals took steps to protect themselves by placing a credit freeze on their Equifax credit reports. A credit freeze, also known as a security freeze, prevents lenders and creditors from accessing an individual's credit report, making it more difficult for identity thieves to open new accounts.