What is the difference between locking my credit report with Equifax Credit Report Control and placing a fraud alert on my Equifax credit file?
Locking your credit file with Credit Report Control prevents most requestors from accessing your Equifax credit report unless you allow them. With a fraud alert lenders (or other requestors) can access your Equifax credit report but are given a warning when they do so. Placing a fraud alert on your credit file notifies those lenders viewing your credit report to contact you directly before granting credit. With Credit Report Control, lenders (with some exceptions) cannot access your Equifax credit report unless you let them. Fraud alerts placed on your Equifax credit report are reported to Experian and TransUnion, while Equifax Credit Report Control protects only your Equifax credit report. If you suspect that you may be or have already been a victim of identity theft and would like to reduce the likelihood of potential fraudulent use of your Equifax credit report, place a fraud alert on your credit file. However, to lock down access to your Equifax credit report from potential fraud a
