Lock & Alert

244 reviews
Content rating
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About this app

Lock & Alert puts you in charge of who can access your Equifax credit report, with certain exceptions.¹ Quickly and easily lock and unlock your Equifax credit report with a click or swipe, and we'll alert you to confirm its status.

• Lock & Alert is free for U.S. consumers — for life.
• Lock your Equifax credit report to help better protect against identity theft.
• Applying for credit? Click or swipe to unlock. Then lock it again.
• We'll alert you each time your Equifax credit report is locked or unlocked.
• Placing a security freeze and a lock on your Equifax credit reports are two separate options you can take to limit access to your credit report. You can place a freeze or lock your Equifax credit report, but you cannot place both a freeze and lock.

If you currently have a security freeze on your Equifax credit report and want to replace it with a lock, first -- you’ll need to remove the freeze in one of the following ways:

Online, by creating a free myEquifax account at https://my.equifax.com/consumer-registration/UCSC/#/personal-info.

By phone at (888) 298-0045. You’ll be asked to verify your identity by providing certain information. You’ll also have the option to receive a one-time PIN (personal identifying number) by text message, or answer questions based on information in your Equifax credit report for identity protection.

• Having trouble or need a quick answer? Get support and find answers to frequently asked questions.
• Sign in to the Lock & Alert app using Fingerprint Sign-In. Only devices with built-in fingerprint scanners and running Android 6.0 Marshmallow or above are eligible to use this feature.

Note: If you have a myEquifax account, your Lock & Alert username and password may be different. If you're using Lock & Alert for the first time, 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 Global Consumer Solutions, 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.
Updated on
Nov 15, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, App activity, and Device or other IDs
This app may collect these data types
Personal info, Financial info and 2 others
Data is encrypted in transit
Data can’t be deleted
244 reviews
November 28, 2022
Love the ability to lock and unlock my credit report so easily! I ran into the same issues as others mentioned at first with app not able to reach servers and log in. Check if there's an update for the app. The update didn't appear in my app store until I used the app and tried to login- phones recognize what apps you're using now and just keep those up-to-date. Once I updated the app though, I was able to login again without a problem.
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Equifax Inc
November 29, 2022
Yes, users should update to v2.4.12 or newer to keep using Lock & Alert. We’re so glad to hear that you find using Lock & Alert convenient. Thanks for your review!
June 26, 2022
Didn't work to start with. Don't get this confused with myequifax login. I had to sign up for this feature using this app. Once I signed up with my credentials, a soft pull was made against Equifax to confirm my identity and a verification code sent to me. Once, I went through the process, I was able to get into the app without any issues. I was also able to set it up to log in using my biometric data.
16 people found this review helpful
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Equifax Inc
June 28, 2022
We’re so glad to hear that you find using Lock & Alert convenient. Thanks for your review!
Keith Simms
November 10, 2022
It was fine for years, now all of a sudden there's all sorts of problems with it. Continually having to reset passwords, regardless of how many times you have done it and technical support is a joke. They "may" get you back in for a moment then after you follow their instructions "if" they actually know what they're doing you find yourself locked out again. Excuse being that you didn’t use the proper email and or passwords too many times and you "know" that you in fact did.
4 people found this review helpful
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What's new

Minor bug fixes.
Please update your app to the latest version (v2.4.12) or enable automatic updates to keep using Lock & Alert.
Thanks for using Lock & Alert!