We therefore also recommend freezing your credit report at NCTUE. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. 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). You can place, temporarily lift, or permanently remove a freeze on your Equifax credit report. It just means you’ll have to unfreeze your credit report before applying for a new loan.) Select Place a Freeze or Manage a Freeze. (There’s a potentially confusing “Security Freeze Warning” section. If you have placed a security freeze on your credit files with Equifax and TransUnion, you will need to contact them directly to manage your freeze. Some steps will vary but the process is very similar. We have implemented a newly enhanced authentication protocol for security freezes so that you no longer need a PIN to freeze or unfreeze your Experian credit file. 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. If you are requesting to temporarily lift or permanently remove a security freeze via mail, youll need to provide documents to validate your identity and address. ![]() 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. Step #5 Confirm that you want to freeze your credit report. 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. NOTE: Experian is the only credit bureau that allows a telephone request to remove a security freeze at 1-88 but requires certified or overnight mail. The IRS would not say whether those affected by the Equifax breach would qualify for a PIN. Step #2 If you don’t already have an account, make one. You must temporarily lift your Equifax credit freeze for the IRS to issue the PIN.
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