Request it using your PIN on the website.You can lift a credit freeze from your credit file with Experian using one of the following ways: There is no longer a cost to lift a credit freeze with Equifax. You can mention specific creditors you would like to have access to your credit report and score, or permanently remove the freeze if necessary. Include your PIN and two forms of identification, such as a copy of your drivers license or government ID, social security number, and proof of address using a utility bill or something similar. Calling the automated system at (800) 349-9960.Request it with your PIN via the website.You can lift a credit freeze from your credit file with Equifax by one of the following: Here are the instructions for each of them.

Each of the three main credit reporting agencies have similar procedures for lifting a credit freeze. Thanks to a new law that went into place in 2018 its now free to place, lift, and remove a security freeze. Once the application is approved, you can reinstate the credit freeze if you deem it necessary. This PIN can be used to temporarily lift or permanently unfreeze (thaw) a credit freeze when a new, legitimate application for credit is submitted.īecause credit decisions cannot be made without a full review of your credit report and history, you may want to lift a credit freeze when you are applying for a new credit card, personal loan, mortgage or line-of-credit. The process of enacting a credit freeze on your credit file involves the creation of a unique personal identification number (PIN) with each of the three major credit bureaus. A credit freeze does not have an impact on your current credit accounts, and it can be permanently removed (thawed, unfrozen) or temporarily lifted when necessary. A credit freeze is powerful because even when a criminal gathers your personal information, he or she has no way to use it to open a new credit card account, loan, or other line-of-credit.

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