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Equifax Credit Report

Credit can be complicated. But it doesn't have to be. Learning responsible trustful behavior can prepare you to reach your goals. Learn what's on your Equifax credit report, how your credit score is calculated, and how to get on track with your credit journey.

How do I set, temporarily lift, or permanently remove the security freeze?

Setting up, unblocking and removing security is free. You can place, temporarily lift, or permanently remove a security freeze from your Equifax credit report in several ways.

 Online, by creating a myEquifax account. You can also check your security freeze status with your myEquifax account.

from a phone. Call us at (888) 298-0045. You will be asked to provide certain information to verify your identity. You'll also have the option to receive a one-time PIN via text message or answer questions based on information from your Equifax ID verification credit report.

by mail. Please download this form for instructions and mailing address. If you are requesting to temporarily lift or permanently remove a security freeze by mail, you will need to submit documents to verify your identity and address. Read more about acceptable documents here. Once we receive your order and verify your identity, you will receive a confirmation.

To place, temporarily lift, or permanently remove a security freeze from your Experian or TransUnion credit reports, contact them directly.



To learn more about the difference between a security freeze and a credit report lock, click here.

How do I place a fraud alert or active service alert?

Placing a fraud alert on your credit reports is free. Click here to place an initial 1-year fraud alert or active service alert on your Equifax credit report online by creating a myEquifax account. Once you've set up a fraud alert or active service alert, you can also check its status through myEquifax.

You can contact any of the three credit bureaus located across the country to request an initial fraud alert or active service alert. After you place an initial fraud alert or active service alert on your credit report with one bureau, that bureau will send a request to the other two bureaus to do the same, so you don't have to call all three.

You can also request an initial one-year fraud alert or active service alert:

By Call: 1-800-525-6285; or

By downloading this Initial Fraud Alert or Active Service Alert form and mailing it to:

Equifax Information Services LLC

s. B 105069

Atlanta, GA 30348-5069  

If you are a victim of identity theft and have a police and/or identity theft report (available at, you are eligible to request an extended seven-year fraud alert on your credit reports. To submit your application, download and follow the instructions in the extended fraud alert form.

How do I correct or dispute information on my credit reports?

If you see information on your credit reports that you believe is incomplete or incorrect, a good first step is to contact the lender or creditor directly. This is especially useful if the information includes your name or address. Updating your personal information with lenders and creditors can help ensure that the information reported to the three national credit bureaus — Equifax, Experian and TransUnion — is accurate.

If you need to dispute information with the credit bureaus, the fastest way to do so is online. You will need to file a dispute with each credit bureau separately.

You can file a dispute on the following sites:

Equifax: New users will first need to create an account. Existing users can log in with their existing credentials.



To help with your dispute, you may need to attach documents. Please click here to view documents that may be useful and sometimes required.

Most dispute investigations are completed within 30 days, and you will receive a notification once the investigation is complete.

Click here if you would like to dispute the information by mail or phone.

To learn more about how the dispute process works, click here.