Lock & Alert puts you in charge of who can access your Equifax credit report, with certain exceptions.¹ Quickly and easily lock and unlock your Equifax credit report with a click or swipe, and we'll alert you to confirm its status.
• Lock & Alert is free for U.S. consumers — for life.
• Lock your Equifax credit report to help better protect against identity theft.
• Applying for credit? Click or swipe to unlock. Then lock it again.
• We'll alert you each time your Equifax credit report is locked or unlocked.
• Placing a security freeze and a lock on your Equifax credit reports are two separate options you can take to limit access to your credit report. You can place a freeze or lock your Equifax credit report, but you cannot place both a freeze and lock.
If you currently have a security freeze on your Equifax credit report and want to replace it with a lock, first -- you’ll need to remove the freeze in one of the following ways:
Online, by creating a free myEquifax account at https://my.equifax.com/consumer-registration/UCSC/#/personal-info.
By phone at (888) 298-0045. You’ll be asked to verify your identity by providing certain information. You’ll also have the option to receive a one-time PIN (personal identifying number) by text message, or answer questions based on information in your Equifax credit report for identity protection.
By mail, where you’ll need to upload documents to verify your identity and address at https://help.equifax.com/s/article/What-documentation-should-I-send-in-to-validate-my-ID-or-address. After we receive your documents and security freeze request, we will contact you by mail.
• Having trouble or need a quick answer? Get support and find answers to frequently asked questions.
• Sign in to the Lock & Alert app using Touch ID, Face ID, or enter your user name and password.
Note: You cannot use a TrustedID™ Premier or other existing Equifax user name and password to sign in to Lock & Alert. If you're using Lock & Alert for the first time, please choose Sign up.
¹ Locking your Equifax credit report will prevent access to it by certain third parties. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax credit report include: companies like Equifax Global Consumer
Minor bug fixes. Thanks for using Lock & Alert!
Ratings and ReviewsSee All
There is really no reason this app should not work flawlessly, but it fails in the most basic way. I set up my account on the Equifax website and froze my credit. Then I downloaded this app so I could unfreeze on the go. The app does not recognize my user name and password that I set up 10 minutes ago. And three incorrect attempts lock me out of my account. I’m sure the developer will respond to this with “hey buddy, give us a call so we can fix this.” Why should I devote my time to fixing your screwed up app? Look at every review for the last year. They all say this problem is persistent. Clearly Equifax doesn’t want people freezing their credit or having any control over their information because it messes with their business model. They should have been put out of business when they allowed the sensitive personal credit information of half the country(!) to be hacked. So forget this app. I’m leaving my credit frozen and if any company uses Equifax I simply won’t give them my business until they switch credit information suppliers.
Update: of course Equifax has separate login credentials for its app and website, that’s the most needlessly complicated possible approach so that’s naturally what Equifax went with. Why in the world would you want your Equifax account time be universally accepted across all platforms? Ease of use? Convenience?
Developer Response ,
We’re sorry to hear that. Lock&Alert and Equifax.com accounts are different, so, your login credentials may be different. If you’re still having problems, drop us an email at firstname.lastname@example.org so we can look into it. Include your app store handle, a copy of your app store review and the email you used to set up your Lock & Alert account.
Impossible to register, Worst app ever!
I’ve been trying to register for one day now as I’m worried about identity theft and would like to lock or freeze my credit report.
Every time I try to register either here or on the desktop it tells me there have been an error and that I should call a number with a customer care team. I try to call that number during the operation hours listed but it is impossible to reach anyone. They try to put the fault on the COVID and there is no email for customer support. I personally had never seen anything that bad specially since this company is supposed to protect our data carefully.
Anyway I was able to lock and freeze TransUnion and Experian with email confirmation from them. so equifax is the last one I need to lock so If I do get identity theft because of your unavailability, your really bad app, system and website. I will make sure you will be held accountable for this!
Developer Response ,
We want to try and figure this out for you. Please drop us an email at email@example.com so we can look into it. Be sure to include your app store handle, a copy of your app store review and the email you used to set up your Lock & Alert account.
App works unlike web site
I have to give the app a good rating. It actually works, unlike the web site, where the link to Lock and Alert gives the good old “Safari can’t find the server” message. I was about to despair my chances of relocking my report until I logged into the app and it took all of 5 seconds — it took a lot longer for me to pull up my password. What can be very confusing is that L&A is a different account/password than any previous Eqfx password you may have used. Several months ago this app actually also saved me from a possible problem with my mortgage closing. I had been able to unfreeze my other reports, but could not make it happen on Eqfx website. The app made it work. Is “locked” a watered down version of “frozen”? Probably, but I’ll take it if it’s the best I can get. It seems to be functionally equivalent as far as I can tell.
Developer Response ,
Thank you for letting us know. Yes, Lock&Alert and Equifax.com accounts are different, so, your login credentials may be different. Lock & Alert locks your Equifax credit report; unlocks your Equifax credit report; and alerts you of your lock and unlock status as well. It's designed to be simple and convenient.
With Family Sharing set up, up to six family members can use this app.