The benefits of a credit lock vs. credit freeze

With Lock & Alert, your consumers are in control of their Equifax credit reports—which helps prevent delays during the credit application process. It’s a win-win for you and your consumers. And it’s totally free!

Why lock?

Locking an Equifax credit report is an effective way to help provide additional protection against unauthorized access and help stop identity thieves from opening new accounts in your consumer’s name.

Credit lock vs. credit freeze

Both a lock and a security freeze can help prevent unauthorized access to a consumer’s Equifax credit report. The primary difference with Lock & Alert is the consumer clicks or swipes in the app to lock and unlock their credit report. Freezes require contacting Equifax online or by phone to freeze and unfreeze their report. A lock affords them on-demand access—day or night.

As your business partner, we’re happy to provide resources that help you and your consumers succeed!