It is not possible to block or unblock Experian or Equifax credit monitoring, but you may freeze your credit record with them. A security freeze prevents third parties from gaining access to your credit history. With your credit record frozen, no one can apply for credit in your name. You can temporarily or permanently lift the freeze online, by phone or via mail whenever you wish. In some states, customers must pay a fee to activate or lift a security freeze. Fees range from $3 to $10. It is typically free for identity theft victims.
Unfreeze Your Equifax Report
On Equifax's homepage, click "Customer Service" on the "Personal Solutions" tab. Click the "Visit Security Freeze" link close to the bottom of the next page to access the three-step request form. Enter your contact information and Social Security number, choose whether you want a temporary or permanent lift of the freeze and confirm your request. Call Equifax at 800-685-1111 to remove the freeze by phone, or write to the company at Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348. In your letter, include your full name, address, Social Security number, date of birth, 10-digit security freeze personal identification number (obtained when you activate the security freeze), two forms of identification and any required payment.
Unfreeze Your Experian Report
Click "Security Freeze" under "Consumer Assistance" on the "Additional Services" tab at the bottom of Experian's homepage. Select "Remove or Lift a Security Freeze" from the list of options on the following page and follow the prompts to temporarily or permanently remove the freeze. The form will ask for your personal identification number, your full name and contact information, Social Security number and birth date. You may also call the company to request this change at 888-397-3742. When you call, provide your name, address, birth date, Social Security number and PIN.