See more about exceptions below.Ī security freeze (also known as credit freeze) of your Equifax credit report is regulated by federal law. Unless you temporarily lift or permanently remove a freeze, or unlock your Equifax credit report, it can't be accessed to open new accounts (subject to certain exceptions). Both generally prevent access to your Equifax credit report to open new credit accounts. A fraud alert requires creditors who check your credit report to take steps to verify your identity before opening a new account, issuing an additional credit card, or increasing the credit limit on an existing account based on a consumer's request. An initial fraud alert lasts up to 1 year unless you decided to remove it sooner.A lock and a freeze have the same impact on your Equifax credit report, but they aren't the same thing. Tip: If you think you may have been the victim of identity theft, you can also file a fraud alert. ![]()
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