Lock & Alert 4+



    • 2.2 • 531 Ratings
    • Free



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.

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.

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: If you have a myEquifax account, your Lock & Alert username and password may be different. If you're using Lock & Alert for the first time, please choose Sign up.


¹ Locking your Equifax credit file will prevent access to it by certain third parties. Locking your Equifax credit file will not prevent access to your credit file at any other credit reporting agency. Entities that may still have access to your Equifax credit file include: companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score, or monitor your credit file; federal, state, and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit http://www.optoutprescreen.com .

What’s New

Version 2.4.12

Minor bug fixes.
Please update your app to the latest version (v2.4.12) or enable automatic updates to keep using Lock & Alert.
Thanks for using Lock & Alert!

Ratings and Reviews

2.2 out of 5
531 Ratings

531 Ratings

Dalton Ames ,

Deliberate fail

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 lockandalert@equifax.com 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.


Nothing new to say …

Thanks to Dalton Ames and others for saving me the trouble of writing a review. As Dalton Ames points out, any of us who has wrestled with the Lock and Alert app only to find ourselves forced to call Equifax where we encountered a labyrinth of voice options that don’t apply and repeated assertions of “unusually heavy call volume” (Hint, folks, check the definition of “unusually”; it’s not unusual when it happens all the time.), we’ve already spent more of our time than this is worth.

As others have noted, the app often fails to recognize established and valid passwords from log in to log in — I’m certain of this because I, like many of us, keep my passwords in a password safe; the problem is not on my end. Tonight, I managed to log in three times; each time, I selected the option to enable face recognition. That option has yet to register.

That the developers monitor these reviews and often respond is sweet, but it doesn’t fix the app. All in all, this app is part of a larger pattern of customer service from Equifax that reflects a “Let them eat cake” attitude toward we who are putative customers, but are really without much choice in the matter.

V1234566789 ,

The worst app…

I normally don’t write any review but this app is useless. I had the same issue with others about unable to use the same login as Equifax website. I read the review and thought it’s ok I can just sign up and have another account so I can lock and unlock my credit report. After signing up and allowing Face ID, this app still wanted me to verify that I am not a bot.. this doesn’t make sense because normally the Face ID logs user right in. So it got a little error because I didn’t click to verify that I was not a bot. I had to make sure I quickly clicked to verify that I was not a bot. The worst part after that is there is nowhere I this app I could lock or unlock… it only shows I freeze my credit report. Useless app. Not sure it is just a temporary things while they are trying to fix the issues or it is just built to show the status… wasting my time signing up for it.

I saw the developer response and it seems they didn’t understand the issue. There was no option to lock or unlock in the app. That is why this app is useless.

Developer Response ,

We are sorry to hear that you are having issues with the Lock & Alert App. Lock & Alert locks your Equifax credit report, unlocks your Equifax credit report and alerts you of your lock and unlock status as well for free. If you have a lock on your Equifax credit report, use Lock & Alert to unlock it. Then you can place a security freeze on your Equifax credit report through myEquifax. It’s free to replace a lock with a security freeze.

App Privacy

The developer, Equifax, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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