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But it might make sense to use the same method you used to place the freeze.

Equifax: You can manage and unfreeze your account in multiple ways.

It’s free to unfreeze your credit, but the process is different at each bureau. Unfreezing credit, sometimes called thawing, can be done on a temporary or permanent basis.

#Equifax freeze lift online how to#

You can also read up on other scams and how to report them. It might help to learn other simple ways to help prevent identity theft. But that information can be hard to track down.įinally, credit freezes are just one way you might protect yourself. If you know which credit bureau a lender will use to review your credit, you may be able to avoid unfreezing at each bureau. You may also have to unfreeze your credit if a credit check is required to rent an apartment or turn on utilities.

Every time you apply for a loan-including applications for credit cards, auto financing and mortgages-you’ll need to unfreeze your account so potential lenders can review your credit. Second, placing a freeze won’t hurt your ability to build credit with your existing accounts, but it also won’t keep your credit scores from going down if negative information is reported to the bureaus.įreezing your credit might help protect your personal information, but it can also keep legitimate lenders from accessing your accounts. You’re still responsible for making at least the minimum payments on all your accounts every month. How to freeze your credit with TransUnionįirst, freezing your credit doesn’t mean you can stop paying off debts.

Supporting documents include a copy of a government-issued ID-such as a driver’s license-and a copy of a utility bill, bank statement or insurance statement. You also need to include your SSN, birthdate and complete addresses for the past two years.

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The company says your letter should include your full name, middle initial and generation, if you’re a junior or senior. Mail: Experian has specific directions about requesting a credit freeze by mail.You’ll be required to provide your SSN to get started. Phone: Call 88 and follow the prompts.The PIN is important for managing your freeze, so be sure to keep track of it. You can also choose to have a random number assigned to you. You’ll also be asked to create a PIN to manage your account. Online: Placing an online freeze with Experian starts with providing some personal information.You'll get a mailed response about whether your freeze was successful, along with a PIN if it was.Here’s how you can start the Experian credit freeze process: Send the whole thing (we recommend certified mail) to:

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Include copies of a driver's license or state ID card AND a utility bill or bank statement. Write a business letter including your full name, date of birth, Social Security number and any address at which you have lived in the past two years. How to set up a credit freeze with Experian by mail You can choose a PIN or have one generated for you. You'll have to provide your name, address, date of birth and Social Security number and answer a set of identity-verification questions. How to set up a credit freeze with Experian by phoneĬall Experian at 888-EXPERIAN (88). Once Experian is satisfied that you are you, you'll be told that the credit freeze has been added.

They're the same kind of questions you get when you're trying to get a free annual credit report.

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You'll get the option of choosing your own PIN or having one generated for you.Ĭlick the button marked 'Submit' and you'll have to answer some verification questions, such as whether you lived at a particular address or ever had an account with this or that firm. Then fill out the online form, which will ask for your full name, current street address, Social Security number, date of birth and email address.

Go to and click on 'Add a security freeze,' then 'Freeze my own credit file.'