How can I lock or unlock my credit report?

To lock your Equifax credit report, log into myEquifax anytime and follow these steps:

  1. Click Manage a lock on the dashboard widget in the top right or click Manage credit lock settings under your product features near the bottom of the page.

  2. You will be redirected to the Credit Lock section. To lock your Equifax credit report, click the red LOCK button 
  3. You will be redirected to the lock page. To confirm you want to lock your Equifax credit report, click the red LOCK button.
  4. You will be redirected to a confirmation page, confirming that you have locked your Equifax credit report. You can click BACK TO DASHBOARD to return to the main dashboard page.
  5. Your dashboard will be updated with your current lock status.

To unlock your Equifax credit report, log into myEquifax anytime and follow these steps

  1. Click Manage a lock on the dashboard widget in the top right or click Manage credit settings under your product features near the bottom of the page. 
  2. You will be redirected to the Credit Lock section. To unlock your Equifax credit report, click the red UNLOCK button.
  3. You will be redirected to the unlock page. To confirm you want to unlock your Equifax credit report, click the red UNLOCK button.
  4. You will be redirected to a confirmation page, confirming you have unlocked your Equifax credit report. You can click BACK TO DASHBOARD to return to the main dashboard page. 
  5. Your dashboard will be updated with your current unlocked status.

You can also call 1-866-828-5961, Mon-Fri, 9 a.m. to 9 p.m. ET and Sat-Sun 9 a.m.-6 p.m. ET, or download this request form and mail it to Equifax.

Be aware that lenders and other businesses may make credit decisions about you without requesting your Equifax credit report. They may rely on information previously requested and received when your Equifax credit file was unlocked. Equifax isn’t liable for any action or inaction of lenders and other businesses that have been informed of a locked status on a credit report, or that have not requested access to your Equifax credit report after a credit lock has been activated.