{"id":249474,"date":"2023-02-02T12:03:50","date_gmt":"2023-02-02T17:03:50","guid":{"rendered":"https:\/\/milesopedia.com\/?p=249474"},"modified":"2024-05-31T13:29:57","modified_gmt":"2024-05-31T17:29:57","slug":"credit-lock","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/credit-lock\/","title":{"rendered":"Credit lock: what you need to know about securing your file"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]<\/p>\n<p>You can put a <strong>credit lock<\/strong> on your credit file to protect yourself from credit fraud and theft.<\/p>\n<p>A <strong>credit lock<\/strong> is a tool that restricts access to your credit reports by certain third parties, such as lenders and creditors. Through a mobile app, it allows you to lock and unlock your credit reports using identity verification techniques, like usernames, passwords, or Touch ID or Face ID technology.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Lock &#8211; The Background of Bill 53&#8243; google_fonts=&#8221;&#8221; el_id=&#8221;credit_lock_-_the_background_of_bill_53&#8243;][vc_column_text el_class=&#8221;red-cross&#8221;]<\/p>\n<p>The Credit Assessment Agents Act, or bill 53, was adopted on February 1, 2021, in response to the Desjardins data breach. This legislation allows you to access your credit report for free online and freeze it in case of fraud. It also allows you to add a security alert, which requires financial institutions to perform additional identity verification.<\/p>\n<p>The law blocks access to credit reports by financial institutions and telecommunications companies, providing valuable protection against identity theft in means of a <strong>credit lock<\/strong>. If someone tries to obtain a loan in your name while you have a <strong>credit lock<\/strong> in place, the loan cannot be approved because the bank will not be able to access your credit information.<\/p>\n<p>You will be free to place it\u00a0from February 1, 2023; if access is asked, the credit bureau will let them know that the file is unavailable and locked under the code \u2019\u20197\u2033 which will be associated with the \u2018\u2019credit locked\u201c message. From then on, the bureau will not be able to transmit any data regarding applications for:<\/p>\n<ul>\n<li>A new credit contract (credit cards, credit lines, mortgage, long-term lease of goods, payment plans)<\/li>\n<li>Credit increase<\/li>\n<li>Credit extension<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Lock &#8211; The difference with Credit Freeze&#8221; google_fonts=&#8221;&#8221; el_id=&#8221;credit_lock_-_the_difference_with_credit_freeze&#8221;][vc_column_text]<\/p>\n<p>The difference between a credit freeze and a <strong>credit lock<\/strong> is that the federal government regulates a credit freeze. In contrast, private companies offer a credit lock that can be controlled through a mobile app.<\/p>\n<p>A credit freeze blocks third-party access to your credit reports, while a credit lock allows you to lock and unlock your credit reports using identity verification techniques.<\/p>\n<p>[\/vc_column_text][vc_message]<\/p>\n<p>A fraud alert is a free notice placed on your credit reports that alert lenders and other credit issuers to verify your identity before giving or extending credit due to possible fraud or identity theft. When triggered, the lender or creditor must take reasonable steps to confirm your identity.<\/p>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Lock &#8211; How to Activate It&#8221; google_fonts=&#8221;&#8221; el_id=&#8221;credit_lock_-_how_to_activate_it&#8221;][vc_column_text]<\/p>\n<p>Consumers who reside in Quebec can control their <strong>credit locks<\/strong> online or through the phone without charge. You can lock, suspend, or revoke your credit, and the changes will be updated in real-time or close to it, depending on the method used. The request for a <strong>credit lock<\/strong> made online will take effect within a few hours.<\/p>\n<p>If you activate it, you must remember to remove it before trying to obtain new credit, such as <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">applying for a new credit card<\/a>. Conveniently, you can also do that online or by phone.<\/p>\n<p>It is also possible to suspend your <strong>credit lock<\/strong> for 48 hours, after which it will automatically reactivate. By doing so, you can apply for new credit without cancelling it and remembering\u00a0to enable it again.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\"><\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit Lock &#8211; Exempt Use and Bypass&#8221; google_fonts=&#8221;&#8221; el_id=&#8221;credit_lock_-_exempt_use_and_bypass&#8221;][vc_column_text el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Bureaus will still allow the information to be transmitted if it is not to be used for entering a new credit contract or meddling with your current credit limits while a <strong>credit lock<\/strong> is in place. Some examples include:<\/p>\n<ul>\n<li>Background checks and screening from employers or the government<\/li>\n<li>Eligibility check for social services<\/li>\n<li>Debt collection information<\/li>\n<li>Portfolio management<\/li>\n<li>Credit check to price and insure an existing loan<\/li>\n<li>Tenant credit check by a landlord in the process of a rental application<\/li>\n<li>etc.<\/li>\n<\/ul>\n<p>A detailed table with all the situations the data can go through despite a <strong>credit lock<\/strong> can be found <a target=\"_blank\" href=\"https:\/\/go.equifax.ca\/Bill53Information\">here<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit lock &#8211; Should you, do it?&#8221; google_fonts=&#8221;&#8221; el_id=&#8221;credit_lock_-_should_you_do_it_&#8221;][vc_column_text]<\/p>\n<p>The possibility of placing a <strong>credit lock<\/strong> is an appealing way to deter fraud attempts, and the process of installing and deactivating one on your file seems easy enough as you can do it online or with a phone call. That is something to consider, especially since it\u2019s free to lock, suspend and unlock your file.<\/p>\n<p>A <strong>credit lock<\/strong> can also be viewed as a hindrance to travel hackers and credit card rewards chasers. But dealing with credit fraud is a much more significant problem than taking a few minutes to remove it\u00a0before a new application; as you are always on the lookout for <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">the best credit card offers<\/a> for your next trip, it\u00a0can save you some hassle while you are away sipping your cocktail!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22621\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Credit bureaus offers Quebec residents the ability to place a <strong>credit lock<\/strong> on their file in order to prevent credit fraud.<\/p>","protected":false},"author":1237,"featured_media":249475,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48133],"tags":[],"mc_loyalty_program":[],"class_list":["post-249474","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-score"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":null,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- 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