A credit freeze generally needs to be requested by the individual whose credit is being frozen, as it is a protective measure intended specifically for personal credit. This means that individuals typically cannot place a credit freeze on someone else's credit file without their authorization. In many cases, the person requesting the freeze must provide necessary personal information and documents to authenticate their identity.
However, there may be specific circumstances where a legal guardian or authorized representative can initiate a freeze on behalf of a minor or incapacitated adult. In such situations, adequate proof of the relationship and legal authority is generally required. It is important for individuals to check the guidelines provided by Equifax Freeze Line on their website for more detailed information on policies, requirements, and any relevant documentation needed for placing a credit freeze. The website will have the most current resources and contact information should further inquiries arise.
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