myEquifax account holders will breeze through this step-by-step guide of how to freeze your credit at Equifax. Don’t have an account yet? Follow this link to create a myEquifax account at Equifax so you can freeze and unfreeze your credit easily.
For help on common Equifax Errors see this page.
1. Login to your Account
Equifax uses a webapp called “myEquifax” as its consumer account system to control credit freezes. The myEquifax logo looks a little different than the other Equifax branding, but this is normal. Remember, Equifax is a financial credit bureau, not a tech company like Google. Login to your myEquifax account here: https://my.equifax.com/membercenter/#/login.
If you see a “We are temporarily unable to complete this request” screen like this one when signing in, Equifax’s system is down. You will not be able to complete your freeze request online or by phone. The only way to complete your freeze is to call Equifax at 888-298-0045 from 9am-5pm Eastern Time, Monday through Friday. Equifax may have expanded hours for COVID-19 support. After the phone system fails to freeze your credit automatically, press 0 to be connected to a human agent who will confirm your information and process the freeze.
Equifax’s system can be down for many days at a time. If Equifax’s system uptime is unacceptable to you, we invite you to file a CFPB complaint, call your congressperson, or tweet at Equifax’s executives.
2. Place a Freeze
After you sign into your myEquifax account, you will see your account dashboard. On the upper-right side of the page, there is a “Place a freeze” link. Click the link to continue.
3. Continue Placing a Freeze
Clicking on the link brings you into a small flow, where you need to click “Place a Freeze” a few times. It’s in a gray button here!
Again, click the “Place a Freeze” button to add a freeze to your Equifax credit report. It’s in a red button here!
That’s it! You just froze your credit at Equifax! No PIN was needed. The PDF on the final step page is the only confirmation document that Equifax provides, so be sure to save it if you need it. Equifax does not send a confirmation email.
Complete the Freeze
With your myEquifax account, how to freeze your credit at Equifax is pretty straightforward. However, freezing your credit only at Equifax will leave your credit files at the other bureaus open and vulnerable to identity theft. If you haven’t already done so, freeze your credit at Experian and TransUnion to fully protect yourself.
Whenever you want to use your credit in the future, use our guides to unfreeze your credit. The best protection you can get is to temporarily lift your credit freeze when you apply for a new account.