Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Particular Issue Freezing Credit at Equifax
Old 09-19-2017, 06:41 PM   #1
Recycles dryer sheets
 
Join Date: May 2013
Posts: 181
Particular Issue Freezing Credit at Equifax

Hi,

I've been following the steps of what to do after the Experian hack including signing up with creditkarma (score 837!), and freezing my credit at the reporting bureaus. It went fine with Experian and TransUnion, but at Equifax, I followed the links to freeze credit. Then I got to a page that offered me only three choices:

1. Temporarily lift a Security Freeze by Date Range
2. Temporarily life a Security Freeze by Specific Party
3. Permanently remove a Security Freeze.

There was not a choice for placing a freeze. Has anyone else run into this? Any ideas?
__________________

__________________
RenoJay is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 09-19-2017, 08:25 PM   #2
Recycles dryer sheets
 
Join Date: Jan 2016
Location: Central Illinois
Posts: 96
I was able to place a freeze for DH and myself on the Equifax website with no problems, I did mine last week, DH over the weekend.
__________________

__________________
calico1597 is offline   Reply With Quote
Old 09-19-2017, 08:31 PM   #3
Recycles dryer sheets
 
Join Date: Feb 2017
Location: SF Bay Area
Posts: 100
Based on the choices presented it sounds like there is already a freeze on your account. I'd suggest calling them to see what's going on.
__________________
ocean view is offline   Reply With Quote
Old 09-19-2017, 09:13 PM   #4
Thinks s/he gets paid by the post
 
Join Date: Apr 2005
Location: Midwest
Posts: 1,501
Quote:
Originally Posted by ocean view View Post
Based on the choices presented it sounds like there is already a freeze on your account. I'd suggest calling them to see what's going on.
I have had a freeze on all 3 for 3 years. I went to Equifax to see if I could get a new pin, since they had been using some 1st grader's system of generating PINs. One thing I noticed was nowhere on my "dashboard" or anywhere else after logging in did it tell me I had a Freeze on my account or "Account Status" or anything like that.

I tried to simply implement and new freeze but it was giving me that "Cannot process your request at this time" tap dance so I gave up. Thus far I have not been able to verify that they have or have ever had a freeze on my account!

Another thing: I have not found a phone number that allows me to talk to anybody. Just the endless cookie cutter list of selections none of which do what I want.

If anybody has been able to talk to a human could you slap up the number plea-uz
__________________
razztazz is offline   Reply With Quote
Old 09-19-2017, 09:40 PM   #5
Recycles dryer sheets
 
Join Date: Feb 2017
Location: SF Bay Area
Posts: 100
Try this to get a new equifax pin: 1-866-349-5191

I've not tried this number yet. It was listed in a NY Times article last week, noted specifically for pin replacement. Calling is on my to-do list.
__________________
ocean view is offline   Reply With Quote
Old 09-19-2017, 10:32 PM   #6
Thinks s/he gets paid by the post
 
Join Date: Apr 2005
Location: Midwest
Posts: 1,501
Quote:
Originally Posted by ocean view View Post
Try this to get a new equifax pin: 1-866-349-5191

I've not tried this number yet. It was listed in a NY Times article last week, noted specifically for pin replacement. Calling is on my to-do list.
Thank you so much
__________________
razztazz is offline   Reply With Quote
Old 09-20-2017, 12:31 AM   #7
Recycles dryer sheets
 
Join Date: Jul 2013
Posts: 180
Quote:
Originally Posted by RenoJay View Post
Hi,

I've been following the steps of what to do after the Experian hack including signing up with creditkarma (score 837!), and freezing my credit at the reporting bureaus. It went fine with Experian and TransUnion, but at Equifax, I followed the links to freeze credit. Then I got to a page that offered me only three choices:

1. Temporarily lift a Security Freeze by Date Range
2. Temporarily life a Security Freeze by Specific Party
3. Permanently remove a Security Freeze.

There was not a choice for placing a freeze. Has anyone else run into this? Any ideas?
Don't you mean Equifax hack?
__________________
alaska55 is offline   Reply With Quote
Old 09-20-2017, 12:37 AM   #8
Recycles dryer sheets
 
Join Date: Jul 2013
Posts: 180
I had no problems with TransUnion and Euifax, but Experian I can't do anything with them.
__________________
alaska55 is offline   Reply With Quote
Old 09-20-2017, 09:19 AM   #9
Recycles dryer sheets
 
Join Date: May 2013
Posts: 181
Quote:
Originally Posted by alaska55 View Post
Don't you mean Equifax hack?


Yes, thank you. I just realized that and will edit the original post. It's amazing that, even with all the news of this swirling around, I made this mistake. I feel bad for the guilt-by-association that Experian is facing due to Equifax's incompetence.

Added later...

Hmmm, I'm not seeing an edit button for my original post, so not sure how to fix my mistake.
__________________
RenoJay is offline   Reply With Quote
Old 09-20-2017, 10:35 AM   #10
Dryer sheet aficionado
 
Join Date: Jun 2016
Posts: 39
Quote:
Originally Posted by RenoJay View Post
... I feel bad for the guilt-by-association that Experian is facing due to Equifax's incompetence.
....
99% of credit bureaus give the rest a bad name.
__________________
Spock is offline   Reply With Quote
Particular Issue Freezing Credit at Equifax
Old 09-25-2017, 01:48 PM   #11
Recycles dryer sheets
 
Join Date: Feb 2017
Location: SF Bay Area
Posts: 100
Particular Issue Freezing Credit at Equifax

Quote:
Originally Posted by ocean view View Post
Try this to get a new equifax pin: 1-866-349-5191

I've not tried this number yet. It was listed in a NY Times article last week, noted specifically for pin replacement. Calling is on my to-do list.


I just used this number to get a new equifax pin, or at least start the process (and listen to 25 minutes of on hold sales pitch recordings). Once I got a live body on the line, they explained that in order to get a new PIN they just remove your freeze completely, you wait 15-30 minutes, then call them back or go online and put the freeze back on, where a randomly generated PIN is issued.

When I went back online to re-initiate the freeze I realized that I could have removed the freeze myself, without having to wait on hold. So if you need a new pin don't bother calling, just go to their credit freeze page and one of the options is to completely remove he freeze...
__________________
ocean view is offline   Reply With Quote
Old 09-25-2017, 02:03 PM   #12
Moderator Emeritus
aja8888's Avatar
 
Join Date: Apr 2011
Location: The Woodlands, TX
Posts: 6,914
Quote:
Originally Posted by ocean view View Post
I just used this number to get a new equifax pin, or at least start the process (and listen to 25 minutes of on hold sales pitch recordings). Once I got a live body on the line, they explained that in order to get a new PIN they just remove your freeze completely, you wait 15-30 minutes, then call them back or go online and put the freeze back on, where a randomly generated PIN is issued.

When I went back online to re-initiate the freeze I realized that I could have removed the freeze myself, without having to wait on hold. So if you need a new pin don't bother calling, just go to their credit freeze page and one of the options is to completely remove he freeze...
How did you get the new pin?
__________________
......."Everybody has a plan until they get punched in the face." -- philosopher Mike Tyson.
aja8888 is offline   Reply With Quote
Old 09-25-2017, 03:25 PM   #13
Recycles dryer sheets
 
Join Date: Feb 2017
Location: SF Bay Area
Posts: 100
Quote:
Originally Posted by aja8888 View Post
How did you get the new pin?


1. Go to the Equifax freeze credit page where the header says something like "Add a Freeze, temporarily lift a freeze or permanently remove freeze", enter your info on page 1.

2. On the next page you will be given options depending on whether you have previously frozen your account or not. If you have a freeze in place you can temporarily or permanently remove the freeze. Select permanently remove freeze and submit

3. On the next page enter your old pin and submit. You'll see a completion/confirmation page.

4. Then wait 15-30 minutes for your change to be processed.

5. Now go back to step 1 and repeat the process on page 1, submit

6. Now on page 2 you will be offered "place a freeze on this account", submit. Then a completion window open with a link to a PDF which displays the pin. It will also be mailed to you.

If on step 6 you don't receive the "place a freeze" option, but instead get the remove options, then your freeze removal request is still in progress and you just need to wait a bit longer and try again.

Good luck everybody!

btw, I've been toying with the idea of sending an invoice to Equifax for the freeze fees incurred from the other agencies. I'm not hopeful that they actually reimburse me, it will just make me feel better.
__________________
ocean view is offline   Reply With Quote
Old 09-25-2017, 03:46 PM   #14
Moderator Emeritus
aja8888's Avatar
 
Join Date: Apr 2011
Location: The Woodlands, TX
Posts: 6,914
Quote:
Originally Posted by ocean view View Post
1. Go to the Equifax freeze credit page where the header says something like "Add a Freeze, temporarily lift a freeze or permanently remove freeze", enter your info on page 1.

2. On the next page you will be given options depending on whether you have previously frozen your account or not. If you have a freeze in place you can temporarily or permanently remove the freeze. Select permanently remove freeze and submit

3. On the next page enter your old pin and submit. You'll see a completion/confirmation page.

4. Then wait 15-30 minutes for your change to be processed.

5. Now go back to step 1 and repeat the process on page 1, submit

6. Now on page 2 you will be offered "place a freeze on this account", submit. Then a completion window open with a link to a PDF which displays the pin. It will also be mailed to you.

If on step 6 you don't receive the "place a freeze" option, but instead get the remove options, then your freeze removal request is still in progress and you just need to wait a bit longer and try again.

Good luck everybody!

btw, I've been toying with the idea of sending an invoice to Equifax for the freeze fees incurred from the other agencies. I'm not hopeful that they actually reimburse me, it will just make me feel better.
Did you have to pay a fee to unfreeze and re-freeze? In TX it's $10 to unfreeze.
__________________
......."Everybody has a plan until they get punched in the face." -- philosopher Mike Tyson.
aja8888 is offline   Reply With Quote
Old 09-25-2017, 03:51 PM   #15
Moderator
MichaelB's Avatar
 
Join Date: Jan 2008
Location: Second City Land
Posts: 23,984
Quote:
Originally Posted by aja8888 View Post
Did you have to pay a fee to unfreeze and re-freeze? In TX it's $10 to unfreeze.
Yes, unless you live in a state that does not allow fees. in Florida, for example, seniors (>65) pay no fees to freeze or unfreeze.
__________________
MichaelB is online now   Reply With Quote
Old 09-25-2017, 03:57 PM   #16
Moderator Emeritus
aja8888's Avatar
 
Join Date: Apr 2011
Location: The Woodlands, TX
Posts: 6,914
Quote:
Originally Posted by MichaelB View Post
Yes, unless you live in a state that does not allow fees. in Florida, for example, seniors (>65) pay no fees to freeze or unfreeze.
I'll try to call them and get a new PIN without spending $20 since I paid to freeze a while back. They owe that to us who had their info lifted.
__________________
......."Everybody has a plan until they get punched in the face." -- philosopher Mike Tyson.
aja8888 is offline   Reply With Quote
Old 09-25-2017, 04:00 PM   #17
Thinks s/he gets paid by the post
 
Join Date: Apr 2005
Location: Midwest
Posts: 1,501
I went to get a new PIN. Once I had determined that I'd have to UNFREEZE the whole shebang then refreeze I decided not to rock that boat for a while. So, for the time being I am staying with my old PIN and signing up with a Life-Lock-type of service. I'm kind of burned-the-hell out with the whole thing. I plan to make another go of it later though
__________________
razztazz is offline   Reply With Quote
Old 09-25-2017, 09:20 PM   #18
Recycles dryer sheets
 
Join Date: Feb 2017
Location: SF Bay Area
Posts: 100
Quote:
Originally Posted by aja8888 View Post
Did you have to pay a fee to unfreeze and re-freeze? In TX it's $10 to unfreeze.


I'm in CA where normally there would be a $10 fee (the other credit agencies are charging fees), but Equifax did not charge any fees to remove and replace my freeze. I've done both mine and DH's with no problems.
__________________
ocean view is offline   Reply With Quote
Old 09-26-2017, 01:39 AM   #19
Full time employment: Posting here.
 
Join Date: Mar 2008
Posts: 629
Quote:
Originally Posted by RenoJay View Post
Hi,

I've been following the steps of what to do after the Experian hack including signing up with creditkarma (score 837!), and freezing my credit at the reporting bureaus. It went fine with Experian and TransUnion, but at Equifax, I followed the links to freeze credit. Then I got to a page that offered me only three choices:

1. Temporarily lift a Security Freeze by Date Range
2. Temporarily life a Security Freeze by Specific Party
3. Permanently remove a Security Freeze.

There was not a choice for placing a freeze. Has anyone else run into this? Any ideas?

Back to the OP question--- I have the same thing showing, but when I enter my info they say they cannot find my file...
__________________

__________________
bizlady is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Is this 'freezing my credit' at Equifax? Carpediem FIRE and Money 5 09-13-2017 06:18 AM
Credit Freeze oops with Equifax? BBQ-Nut FIRE and Money 15 10-13-2015 01:49 PM
Was There A Particular Book That Motivated You Dog FIRE and Money 68 07-26-2014 04:44 PM
Cruises - South American in particular friar1610 Travel Information 12 07-18-2008 11:19 PM
Have You Ever Considered Freezing Your Credit? Retire Soon FIRE and Money 10 01-12-2008 03:18 AM

 

 
All times are GMT -6. The time now is 05:47 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.