myEquifax account holders will breeze through this step-by-step guide of how to unfreeze 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 “myEquifax” as its consumer account system to control credit freezes. The myEquifax logo looks a little different than the other Equifax branding, which is expected. Equifax is a credit bureau, not a design studio. Login to your myEquifax account here: https://my.equifax.com/membercenter/.
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. Manage 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 “Manage a freeze” link. Click the link to continue.
3. Step-By-Step Flow
Clicking on the link brings you into a small step-by-step flow, where you first need to click “Manage a Freeze” to continue.
Next, select whether you want a temporary or permanent removal of the freeze from your Equifax credit report. We select permanent for this example.
Before permanently unfreezing your credit, Equifax includes some helpful information about what to expect. Click the red “Remove Freeze” button to continue.
That’s it! You just unfroze your credit at Equifax! No PIN was needed. Equifax does not provide a PDF or email confirmation for unfreezing your credit, so if you need documentation, it’s probably best to print the webpage or save it as a PDF.
What to do with Unfrozen Credit
Use it! Unfrozen credit means you are free to apply for new credit cards, get approved for a mortgage, or apply for other credit products. If you found Snowcap.Me helpful or want to support our mission, shop our latest offers by clicking the button below.
Important note: With your myEquifax account, how to unfreeze your credit at Equifax is pretty straightforward. However, unfreezing your credit only at Equifax may cause a new credit application to fail if your Experian or TransUnion credit files are still frozen. If you haven’t already done so, unfreeze your credit at Experian and TransUnion to be certain a company can check your creditworthiness.
After you use your unfrozen credit, be sure to re-freeze your files so you are once again protected against major identity theft. You can use our freeze guides to re-freeze your credit.