According to Equifax, if you live in Alabama (a state without a state mandated freeze alert) you can place a freeze alert on your Equifax credit report under the Equifax Voluntary Security Freeze Program. The security freeze is designed to prevent the disclosure of your Equifax credit report without your permission.
Equifax asks for the following information when authorizing a security freeze:
1. Proper identification
2. The unique personal identification number or password provided by the credit reporting agency
3. The proper information regarding the specific party who is to receive the credit report or the specific period of time for which the credit report is to be available.
4. Appropriate fee – $10.00
However, Equifax’s security freeze will not prevent disclosure to everyone without your permission. For example, despite having a freeze on your Equifax file, Equifax will still disclose your credit file to collection agencies acting on behalf of a person whom you have an existing account. Also, the security freeze will not prevent Equifax from disclosing your credit report for insurance underwriting purposes OR employment purposes.
A request for an Equifax freeze alert can be mailed via certified mail to:
Equifax Security Freeze, PO Box 105788, Atlanta, Georgia 30348.
HAVE YOU REQUESTED YOUR FREE CREDIT REPORT? HAVE YOU DISCOVERED ERRORS ON YOUR EQUIFAX, TRANS UNION OR EXPERIAN REPORT? CONTACT CONSUMER CREDIT REPORT LAWYER MICAH ADKINS FOR A FREE INFORMATION ON HOW TO OBTAIN YOUR FREE CREDIT REPORT.