Lock & Alert

Equifax Incorporated

About this app

Lock & Alert puts you in charge of who can access your Equifax credit report, with certain exceptions.¹ Lock or unlock your Equifax credit report with just a simple click or swipe, and we’ll alert you each time your Equifax credit report is locked or unlocked.

• Lock & Alert is free for U.S. consumers.
• Lock your Equifax credit report to help better protect against identity theft.
• Applying for credit? Open the app, and unlock with one simple swipe or click. Then simply swipe or click again to lock when you're done.
• We'll alert you each time your Equifax credit report is locked or unlocked.
• Having trouble or need a quick answer while using the app? Visit the Support tab in the app to find the answers to frequently asked questions, or to contact customer service.
• Sign in to the Lock & Alert app using biometrics, or enter your user name and password.

Important Note: Lock & Alert and myEquifax use separate accounts. Your Lock & Alert credentials would be different from your myEquifax username and password, unless you registered with the same username and password for both. If this is your first time using Lock & Alert, please choose “Sign up”.

¹ Locking your Equifax credit report will prevent access to it by certain third parties. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax credit report include: companies like Equifax Consumer Services LLC, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer's identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.

Ratings and reviews

Useless app. App requires a separate login from the website and does a Lock/Unlock instead of the standard Freeze/Thaw. the two things are not compatible. So if you setup a Freeze on the website you can't Thaw it with the App, or do anything else. Whoi is the rocket scientist that thought this was a good idea. Equifax has to know about this, and they let it persist. Think your credit info is safe? Think again.

edited review..it wouldnt load, asks for info then says captcha error but there is no error on my end. this has been resolved. not sure what the issue was but I got the error again then it said retry so I did and I was able to setup the account. I haven't used it yet, cause I have a balance transfer processing and not sure if it will mess things up if I lock my file now.

I agree with all of the other complaints that I have read about this app, plus one that I haven't seen yet: the app account only allows a password up to 15 characters. Seriously? The website account allows many more characters than that (like, 64 I think?). It is absolutely ridiculous that the app cannot sign in to an existing account. Too bad they don't allow zero stars. [UNINSTALLED]

What’s new

Minor bug fixes.
Please update your app to the latest version (v2.9.9) or enable automatic updates to keep using Lock & Alert.
Thanks for using Lock & Alert!