Lock & Alert

Lock & Alert is a free application available to U.S. consumers that allows them to lock their Equifax credit report in order to protect against identity theft. This feature can be easily accessed by opening the app and swiping or clicking to unlock, and then swiping or clicking again to lock when finished. Users will receive alerts each time their Equifax credit report is locked or unlocked. In case of any issues or questions while using the app, there is a Support tab available with frequently asked questions and the option to contact customer service. Users can sign in to the app using biometrics or by entering their username and password.

It is important to note that Lock & Alert and myEquifax use separate accounts, so the login credentials for each will be different unless the user has registered with the same username and password for both. For first-time users of Lock & Alert, there is an option to sign up for the service.

By locking their Equifax credit report, users can prevent certain third parties from accessing it. However, it is important to note that this will not prevent access to the credit report at other credit reporting agencies. Some entities that may still have access to the Equifax credit report include companies that provide credit report or score access or monitoring services, government agencies and courts in certain circumstances, insurance underwriting or employment screening companies, and companies with whom the user has a current account or relationship. Additionally, companies may still have access for identity verification or pre-approved credit or insurance offers. To opt out of these pre-approved offers, users can visit www.optoutprescreen.com.

In summary, Lock & Alert is a free app that allows U.S. consumers to easily lock and unlock their Equifax credit report to protect against identity theft. It also provides alerts for any changes to the credit report. The app has a support feature for any questions or issues, and users can sign in using biometrics or their login credentials. It is important to note that Lock & Alert and myEquifax use separate accounts, and locking the Equifax credit report may not prevent access from all entities. To opt out of pre-approved credit or insurance offers, users can visit www.optoutprescreen.com.