The process for unfreezing credit, the time it takes, and its for-free nature are all stipulated in the Economic Growth, Regulatory Relief, and Consumer Protection Act, which went into effect in September 2018. It was for me – and it can be for you, too. Unfreezing your credit for free can be fast and easy at all three major credit reporting agencies, as long as you have carefully preserved your account passwords. How do you unfreeze your credit to allow these transactions? Or maybe you’re applying to refinance your mortgage. But now, that small SUV is calling your name. Provide proof of identification, such as a copy of your driver's license, passport, birth certificate or other proper identification forms.Let’s say you’ve frozen your credit to protect yourself from identity thieves and other fraudsters who might look to profit from your good name (and excellent credit history). If you lose the PIN that was issued to you when you added the Security Freeze to your credit file, you may request a new one in writing. Include TransUnion file identification number (FIN), Social Security number, birth date, and PIN TransUnion will remove the Security Freeze within three business days and will notify you of the removal Payment by credit card (American Express, Discover, MasterCard, VISA).This access code will be provided to you at the time the specific third-party lift is set. A specific third-party lift will allow only those with a unique access code to receive your credit report. A global lift will allow any third-party with a permissible purpose to receive your credit report.Minimum period is three days, maximum is 30 days. TransUnion file identification number (FIN).Phone: 88 if you wish to temporarily lift your Security Freeze via telephone.Ĭomplete the Lift section of the Security Freeze Form that was sent to you when you requested the freeze. Proof of address, such as driver's license or state-issued ID card.Social Security Number, address, date of birth and other documentation, as requested.Log onto to Transunion Cost to place a freeze Enter you identification information (name, address, birth date, Social Security number).Log on to ww./freeze or call 1-888-EXPERIAN (1-88), or write to Experian Security Freeze, P.O.Name, address, birth date, Social Security number ID theft victim must include: valid copy of police report, investigative report or complaint filed with law enforcement agency.Credit card: Give name of card, account number and expiration date. Pay by check, money order or credit card.(NOT ACCEPTABLE: credit statements, voided checks, lease agreement, magazine subscriptions or postal service forwarding orders) Proof of current address such as utility bill, bank or insurance statement.
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