LOADING ...

Equifax's Free Credit Freeze Deal Ends in Two Days 

Emily Price Jan 30, 2018. 3 comments

If you want to freeze your Equifax credit report for free, you better do it soon.

Remember that epic Equifax hack last year? The hack exposed the personal data of 145 million adults in the United States, and chances are good that you were probably one of them. At the time, experts recommended those that were affected freeze their credit at all three major reporting agencies: Equifax, TransUnion, and Experian as a way to protect your credit should someone decide to use that stolen information. As an apology of sorts for the screw up, Equifax offered to let affected customers do that for free , but only until January 31st.

Freezing your credit essentially prevents lenders from being to access your report, which means they also won’t issue you a new credit card or loan while it’s on lockdown. It doesn’t effect your credit score or your existing accounts, just your ability to open new ones.

If you haven’t done it yet, you can freeze your Equifax credit report by going to this site or by contacting Equifax on the phone. 800-685-1111 is its automated service line and 888-298-0045 will connect you with one of its customer care agents. For time purposes, the web is probably your best bet here.

Worth noting: doing this only freezes your credit report at Equifax, not the other two agencies. Freezing your credit report at the other two still costs money, but you are able to “lock” your TransUnion account for free, which offers some of the same protections as freezing.

And it might not be that way forever. There are currently a few bills on the table to require credit reporting agencies to give customers one free freeze and unfreeze of their credit each year. Unfortunately, so far none of those bills have passed.

3 Comments

Other Emily Price's posts

How to Find The 'Wizard of Oz' Ruby Slippers Easter Egg on Google How to Find The 'Wizard of Oz' Ruby Slippers Easter Egg on Google

The 80th Anniversary of The Wizard of Oz is Sunday. To celebrate, Google has added a fun easter egg to google search that will sweep you up in a tornado and send you to Oz.To access it, simply do a Google search for “Wizard of Oz.” When you do, you’ll see a pair of ruby slippers sparkling on the...

How to Check if Your Internet is Fast Enough to Stream Netflix in 4k How to Check if Your Internet is Fast Enough to Stream Netflix in 4k

If you want to be able to stream 4K Ultra HD content from Netflix you’ll not only need a high-resolution television, you’ll need a fast internet connection as well.For one 4k stream, Netflix says you’ll need an internet speed of at least 25Mbps. Most households in the United States probably have that, but if you’re only paying for a...

How to Prevent Spammers From Infiltrating Your Google Calendar How to Prevent Spammers From Infiltrating Your Google Calendar

My boyfriend and I have a shared Google calendar so we can keep track of each other’s various events and commitments, as well as things like concerts and parties we plan to attend together. It’s a great system for us, but this week we ended up with something a little odd on that calendar: “You Have Won iPhone X...

College Students Can Now Get Sirius XM for $4 a Month College Students Can Now Get Sirius XM for $4 a Month

If you’re currently enrolled in a college or university, then Sirius XM has a deal for you. The satellite radio company is offering students the ability to get its Premier Plan for $4 a month, $9 off its traditional price of $13.The program is officially called “Student Premier” and uses Sheer ID to verify that your college student status...

Suggested posts

Why You Might Not Get $125 in Equifax Settlement Money Why You Might Not Get $125 in Equifax Settlement Money

If you’re claiming your $125 in settlement money from the 2017 Equifax data breach, don’t add that extra cash into your budget just yet—because you might not get the full amount.As Equifax explains in its settlement FAQ, if too many people claim the cash, there won’t be enough to go around. If there are more than $31 million claims...

How to Find Out If Equifax Owes You Money How to Find Out If Equifax Owes You Money

If you were affected by Equifax’s massive data breach in 2017, you can finally request compensation. The Federal Trade Commission has announced a settlement with the credit bureau that includes $425 million for the 147 million people who had their data compromised.You might remember that when this colossal mess was exposed in 2017, Equifax set up free credit monitoring...

How to Outsmart the Most Common Money Scams How to Outsmart the Most Common Money Scams

Financial scams are on the rise, according to the Federal Trade Commission’s annual Sentinel Data Book report—but there are some simple measures most people can take to avoid being played.Consumers reported nearly 3 million scams to the FTC in 2018, 48 percent of which were related to fraud of some kind. The top types of scams were:Imposter scams, such...

How to Thaw Your Frozen Credit Reports  How to Thaw Your Frozen Credit Reports 

By now you know that freezing your credit reports is one of the better steps you can take to protect yourself from financial scammers. But what happens when you actually need access to your reports?Freezing your credit will make it temporarily less convenient to do things like open a new credit card, sign a new lease for an apartment,...

Check Your Kid's Credit History  Check Your Kid's Credit History 

If you’re a parent, you probably haven’t thought much about your child’s credit history—it isn’t likely that Little Otis has being swiping an Amex around town. But because kids’ files are largely ignored, identity thieves see them as a sweet target. Twenty-five percent of children will be affected by identity fraud or theft before they turn 18, according to...

Surprise! The Equifax Hack Affected Millions More People Than Previously Disclosed Surprise! The Equifax Hack Affected Millions More People Than Previously Disclosed

It’s the security breach that never ends. Reuters reports that 2.5 million more people were affected by last year’s massive Equifax data breach than previously reported, bringing the total to 147.9 million.The company told Reuters the latest hacking victims had their names and driver’s license information stolen, “but noted less information was taken because it did not include home...

Freeze Your Credit Instead of Messing With Equifax's New App Freeze Your Credit Instead of Messing With Equifax's New App

Equifax has a new app (iOS, Android) that’s meant to make it easy to lock and unlock access to your credit files, one of the measures the company’s taking to save face after a security breach last year left 145 million people vulnerable to financial fraud and identity theft. But you’re probably better off just freezing your credit than...

One of Your Equifax Hack Protections Expires Soon One of Your Equifax Hack Protections Expires Soon

Remember that massive Equifax security breach ? If you put a 90-day fraud alert on your credit report, it’s likely expiring right around now.Experts recommend placing a fraud alert on your account to make it slightly more difficult for scammers to use your stolen information. But it’s more of a bandaid than a foolproof security system—while some agencies may...

How to Sign Up for Health Insurance If Your Credit Is Frozen How to Sign Up for Health Insurance If Your Credit Is Frozen

Consumers signing up for health insuranc e on the federal health exchange could have a more difficult time this year thanks to the Equifax data breach , according to a report from Kaiser Health News.Specifically, if you’ve waited until now to sign up for health insurance and froze your credit after the hack, you could face some major headaches....

What You Should Know About the Sonic Credit Card Hack What You Should Know About the Sonic Credit Card Hack

Yesterday, fast food chain Sonic released a statement acknowledging that customers may have had their credit and debit card info stolen after a malware attack this year. We know the drill by now, right?Security expert and investigator Brian Krebs actually discovered the potential hack back in April when he found a batch of stolen cards for sale on a...

Language