![]() We therefore also recommend freezing your credit report at NCTUE. NOTE: Some news outlets have reported that cell phone companies have opened fraudulent accounts using credit reports provided by the National Consumer Telecom & Utilities Exchange (NCTUE). It just means you’ll have to unfreeze your credit report before applying for a new loan.) (There’s a potentially confusing “Security Freeze Warning” section. Some steps will vary but the process is very similar. Now repeat the steps with the other two big credit bureaus. You’ll need it later if and when you want to lift the freeze on your reports. You can place a 'freeze' on your credit file at any time, but you must contact each credit reporting company. Step #7 This is key: Record your PIN in a safe place. Step #6 Download and view your “one-time PDF,” which contains your PIN. A security freeze (also known as credit freeze) of your Equifax credit report is regulated by federal law. Step #5 Confirm that you want to freeze your credit report. Unless you temporarily lift or permanently remove a freeze, or unlock your Equifax credit report, it cant be accessed to open new accounts (subject to certain exceptions). Step #4 Click “Place Or Manage A Freeze.” You may need to enter a code that the credit bureau sends to your email. Step #3 Follow the directions to verify your identity. You’ll need to provide your full name, date of birth, address, email and Social Security number. You’ll need to provide information verifying your identity and will have the option to receive a one-time PIN by text message or answer questions based on information in your Equifax credit report for identity. Youll also have the option to receive a one-time PIN by text message or answer questions based on information in your Equifax credit report for. Youll be required to give certain information to verify your identity. All you have to do is call 1- (888) 298-0045 to start the process. You can check the status of your security freeze through your myEquifax account as well. ![]() Step #2 If you don’t already have an account, make one. You can also freeze your credit with Equifax over the phone.
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