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How long will it take If the request is made online or by phone, a credit bureau must lift a freeze within one hour, according to the Federal Trade Commission. If the request is made by mail, a bureau has three business days to lift a freeze upon receiving your request.Keep in mind, a credit freeze does not apply to current creditors. They can still access your credit reports. Also, government agencies may have access under certain circumstances, such as with a court or administrative order, a subpoena, or a search warrant.
Fraud alerts are free. To place a fraud alert on your Equifax credit report, you can create a myEquifaxTM account online; call Equifax at (800) 525-6285; or download this form to request a fraud alert by mail. 153554b96e
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