Temporarily lift security freeze equifax4/11/2024 ![]() Security freezes are free, have no effect on your credit scores and can be lifted and replaced at any time. ![]() So, if an identity thief tries to apply for a new credit card in your name, the credit card issuer won't be able to see your credit reports, leading them to deny the application. The good news is you can help better protect against credit fraud with a security freeze (also known as a credit freeze), which stops creditors from accessing your credit reports to open new credit accounts. Fraudulent lines of credit can hurt your finances and sink your credit scores, and the process to reverse the damage can be long and complicated. If identity thieves have your Social Security number, they may be able to apply for credit in your name including new auto loans, credit cards, student loans and personal loans. What else can you do if your SSN has been stolen? ![]() You can temporarily unlock your SSN if you know a new employer will need to confirm your eligibility for employment. Placing a self-lock through E-Verify stops anyone from using your SSN to apply for a job - but that also includes you. In this scenario, the wages a thief earns are falsely reported to the Social Security Administration, the Internal Revenue Service (IRS) and other government agencies in your name. When a criminal steals your SSN, they may attempt to obtain employment in your name in a type of fraud known as employment identity theft. You can also place what’s known as a self-lock on your SSN through E-Verify ® at a government service that employers use to confirm a job applicant’s eligibility to work. You can remove this block down the road as long as you provide proof of identity as required by the Social Security Administration. This process prevents anyone - including you - from changing or accessing your Social Security record. If you suspect that your SSN has fallen into the wrong hands, take action to make it more difficult for your Social Security information to be shared or seen by a stranger.įirst, you can contact the Social Security Administration by phone at 80 and request to block electronic access to your Social Security information. What happens during a Social Security number lock? Discrepancies in your tax returns or Social Security benefit statements.Collections calls for debt you don’t owe.Bills for credit cards you haven’t applied for. ![]()
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