If creditors and lenders can’t check your credit report then thieves will also have a hard time opening accounts under your name without your knowledge or authorization. If you submitted a request by mail, the freeze will take effect within 3 business days after its receipt. Many consumers use this service to protect them against the threat of credit fraud due to possible identity theft, such as when their sensitive information has been compromised.Īfter you request a credit report freeze online or offline, the credit bureau must set it in place within one business day. A copy of your bank statement or utility billĬhester, PA 19016 What is a Credit Report Freeze and Why Do You Need it?Īlso known as a security freeze, a credit report freeze prevents entities from accessing your credit report.Your request must include the following information: Send a letter to TransUnion requesting to unfreeze your credit report. Keep your freeze PIN, date of birth, Social Security number, and address ready because you may be asked to provide these details during the process. An interactive voice response system will guide you through the process of unfreezing your credit report. How Do You Unfreeze Your TransUnion Credit Report By Phone?Īll you need to do is call the TransUnion phone number at 88.After logging in, you have the option to lift the credit report freeze permanently or temporarily. If you don’t have an account set up yet, you can create an account so that you can manage your TransUnion credit information. You need to log in to your TransUnion account online using your username and password. How Do You Unfreeze Your TransUnion Credit Report Online?.If you requested to unfreeze your credit report by mail, TransUnion will lift the freeze within 3 days after receiving your letter. It will take one hour to lift the freeze after submitting a request online or by phone. You have three options: online, phone, or mail.
“How do I unfreeze my TransUnion credit report?” That’s a common question. If you need to apply for a new loan or credit, you have to unfreeze your credit report first. If you decide to freeze your credit report, most companies can’t check your credit report. This is necessary when your personal information has been compromised due to a lost card, hacked online account, and stolen documents. Major credit reporting bureaus offer a credit freeze service to protect consumers from identity theft and credit fraud.
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