How to Unfreeze Your Credit
If you’re looking for information on how to unfreeze your credit, you’ve come to the right place. In this blog post, we’ll provide step-by-step instructions on how to unfreeze your credit.
Checkout this video:
Get your credit report
The first step is to get a copy of your credit report from all three credit reporting bureaus: Equifax, Experian and TransUnion. Check each report carefully to make sure all the information is accurate and up to date, including your names, addresses, employer information, account balances and payment history.
If you find any errors, you’ll need to dispute them with the credit bureau in writing. Include a copy of your credit report with the errors circled, along with a list of what information you believe is inaccurate and why.
Identify the source of the problem
If you find yourself in a situation where your credit is frozen, the first step is to identify the source of the problem. There are three major credit bureaus in the United States — Equifax, Experian and TransUnion — and each one has its own process for freezing and unfreezing your credit. You will need to contact the credit bureau or bureaus that have placed the freeze on your credit in order to have it removed.
Contact the creditor
When you contact the creditor, you’ll want to have your account number, date of birth and Social Security number handy so they can verify your identity. The customer service representative will likely ask you a series of questions to verify your identity before they give you the information you need to unfreeze your credit.
If the creditor confirms that you are the rightful owner of the account, they will give you a four-digit PIN or password that you can use to unfreeze your credit online or over the phone. You may also be able to unfreeze your credit by mail, but this process can take up to three business days.
Dispute the error with the credit bureau
Dispute the error with the credit bureau.
If you find an error on your credit report, you can dispute it with the credit bureau. The credit bureau will then investigate the error and remove it if they find it is inaccurate. This is the quickest and most effective way to unfreeze your credit.
Place a fraud alert or security freeze on your credit report
Placing a fraud alert or security freeze on your credit report are both effective ways to prevent new accounts from being opened in your name.
A fraud alert is a free service that allows you to have a notice placed on your credit report to notify potential creditors that you may be a victim of identity theft.
A security freeze is a more restrictive measure that completely prevents new creditors from accessing your credit report. This can make it more difficult for identity thieves to open new accounts in your name, but it may also make it more difficult for you to open new accounts or get approved for loans.
You can place a fraud alert or security freeze on your credit report by contacting each of the three major credit bureaus: Experian, Equifax, and TransUnion.