{"id":13529,"date":"2023-10-02T14:15:34","date_gmt":"2023-10-02T20:15:34","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=13529"},"modified":"2025-06-06T10:56:02","modified_gmt":"2025-06-06T16:56:02","slug":"how-to-unfreeze-credit","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-unfreeze-credit.html","title":{"rendered":"How to unfreeze your credit report: methods &amp; security steps"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/image.png\" alt=\"\" class=\"wp-image-19893\"\/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice.\u00a0<\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-background has-link-color wp-elements-022a1eef8c54d5aca38e2721f7147356\" style=\"background-color:#00204f\">You can unfreeze your credit by contacting any credit bureaus that your credit is frozen with, by either mail, phone or online, and asking them to unfreeze your credit.<\/p>\n\n\n\n<p>If you\u2019ve ever been a victim of <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-identity-theft\" target=\"_blank\" rel=\"noreferrer noopener\">identity theft<\/a> or wanted to protect yourself from it, you may have put a freeze on your credit. Because a credit freeze restricts access to your credit report, this also gets in the way of you applying for credit. After all, when you apply for a credit card, loan or mortgage, the lender needs to review your credit. That means you need to go through the credit bureaus to lift the freeze.<\/p>\n\n\n\n<p>Because credit checks are sometimes necessary, you need to learn how to unfreeze your credit. While lifting a credit freeze is <a href=\"https:\/\/www.ftc.gov\/news-events\/news\/press-releases\/2018\/09\/starting-today-new-federal-law-allows-consumers-place-free-credit-freezes-yearlong-fraud-alerts\" target=\"_blank\" rel=\"noreferrer noopener\">free by federal law<\/a>, navigating the process with each credit bureau can take time. To help you, we\u2019ll break down the process of unfreezing your credit and explain how to contact each bureau.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-methods-for-unfreezing-your-credit\"><a><\/a>Methods for unfreezing your credit<\/h2>\n\n\n\n<p>There are a couple of ways to lift credit freezes. Your options vary based on how long you want to lift the freeze. Whichever method you choose, there\u2019s no limit to how often you can freeze credit or unfreeze it. Also, keep in mind that the best way to unfreeze your credit depends on why you froze it in the first place.<\/p>\n\n\n\n<p>When lifting a credit freeze, you can choose between the following:<\/p>\n\n\n\n<ul>\n<li><strong>Temporarily lift the security freeze:<\/strong> If you have fraud concerns but need to go through a credit check, you can temporarily unfreeze your credit for a specified time. After the period passes, your credit freeze resumes automatically.<\/li>\n\n\n\n<li><strong>Permanently remove the freeze:<\/strong> You can choose to have a credit freeze permanently removed. Keep in mind that you can place a freeze again in the future. However, while your credit stays unfrozen, you\u2019re more vulnerable to fraud and <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/how-to-prevent-identity-theft\" target=\"_blank\" rel=\"noreferrer noopener\">identity theft<\/a>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-alternatives-for-unfreezing-your-credit\"><a><\/a>Alternatives for unfreezing your credit<\/h2>\n\n\n\n<p>Freezing and unfreezing credit can help protect your finances, but they aren\u2019t your only options. In fact, there are simpler, less time-consuming alternatives on the table. So, whether you\u2019re looking to defend yourself or open access after a credit report freeze, here are a few other methods.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-give-a-specific-creditor-access\"><a><\/a>Give a specific creditor access<\/h3>\n\n\n\n<p>When you freeze your credit with a bureau, they can issue a code or PIN for a creditor. This allows that creditor, and only that creditor, to check your report. Limited access increases security around your credit report and identity. It also saves you the time and effort of freezing and unfreezing your credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-subscribe-to-plans-for-locking-and-unlocking-your-credit-report\"><a><\/a>Subscribe to plans for locking and unlocking your credit report<\/h3>\n\n\n\n<p>Even though security credit freezes are regulated and free, each credit bureau offers more in-depth services for fraud vigilance and <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/what-is-credit-monitoring.html\" target=\"_blank\" rel=\"noreferrer noopener\">credit monitoring programs.<\/a> Additionally, they provide different subscription tiers at various price points.<\/p>\n\n\n\n<p>When you subscribe, you can:<\/p>\n\n\n\n<ul>\n<li>Lock and unlock your credit report in a mobile app, using various ID verification techniques<\/li>\n\n\n\n<li>Have bureaus monitor your reports for suspicious activity<\/li>\n\n\n\n<li>Request additional fraud prevention services<\/li>\n<\/ul>\n\n\n\n<p>Despite the benefits, <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/freeze-vs-lock.html\" target=\"_blank\" rel=\"noreferrer noopener\">locking and freezing your credit<\/a> achieve the same result. So, when you subscribe, it primarily takes work off your plate.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-set-up-fraud-alerts\"><a><\/a>Set up fraud alerts<\/h3>\n\n\n\n<p>You can place a <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/credit-bureaus-fraud-alerts.html\" target=\"_blank\" rel=\"noreferrer noopener\">fraud alert<\/a> on your credit file for extra protection. This alert notifies creditors when the risk of fraud comes up. For example, when lenders run a credit check or receive an application for a loan, they need to take extra steps to verify your identity. Generally, they will call you before opening a new credit account in your name or changing an existing one.<\/p>\n\n\n\n<p>Unlike a credit freeze, you only need to request a fraud alert with one of the credit bureaus. After that, they\u2019ll notify the other two. Alerts are free, easy to set up and offer flexibility when you want to stay cautious without freezing your credit.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"975\" height=\"929\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/image-2.png\" alt=\"\" class=\"wp-image-19896\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/image-2.png 975w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/image-2-768x732.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-unfreeze-credit-with-equifax\"><a><\/a>How to unfreeze credit with Equifax<\/h2>\n\n\n\n<p><strong>Online:<\/strong> Sign up for or log in to your <a href=\"https:\/\/www.equifax.com\/personal\/credit-report-services\/\" target=\"_blank\" rel=\"noreferrer noopener\">myEquifax<\/a> account. Then, request the unfreeze by verifying demographic information like your Social Security number. You don\u2019t need a PIN when you lift your Equifax\u00ae credit freeze online.<\/p>\n\n\n\n<p><strong>By phone: <\/strong>Call 800-349-9960. You\u2019ll need to provide identifying information and the 10-digit PIN you were assigned for an Equifax unfreeze.<\/p>\n\n\n\n<p><strong>By mail: <\/strong>Fill out and mail <a href=\"https:\/\/assets.equifax.com\/assets\/personal\/Security_Freeze_Request_Form.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">this form<\/a> to the address provided, marking that you want to lift a freeze. Along with the basic info, you\u2019ll need to provide proof of identification, proof of address and the PIN you received when you placed the freeze.<\/p>\n\n\n\n<p>Equifax Information Services LLC<\/p>\n\n\n\n<p>P.O. Box 105788<\/p>\n\n\n\n<p>Atlanta, GA 30348-5788<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-unfreeze-credit-with-experian\"><a><\/a>How to unfreeze credit with Experian<\/h2>\n\n\n\n<p><strong>Online:<\/strong> Fill out the form to <a href=\"https:\/\/www.experian.com\/ncaconline\/removefreeze\" target=\"_blank\" rel=\"noreferrer noopener\">remove an Experian\u00ae credit freeze<\/a>. Provide details like your name, birth date and email address. On top of that, you\u2019ll need the 5 \u2013 10 digit PIN assigned when you put a freeze on your credit.<\/p>\n\n\n\n<p><strong>By phone:<\/strong> Call 888-397-3742 and provide the basic information along with your PIN.<\/p>\n\n\n\n<p><strong>By mail: <\/strong>Submit a written request for an Experian unfreeze with your demographic information and proof of your identification and address to:<\/p>\n\n\n\n<p>Experian Security Freeze<\/p>\n\n\n\n<p>P.O. Box 9554<\/p>\n\n\n\n<p>Allen, TX 75013<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-unfreeze-credit-with-transunion\"><a><\/a>How to unfreeze credit with TransUnion<\/h2>\n\n\n\n<p><strong>Online: <\/strong>Go to the TransUnion\u00ae <a href=\"https:\/\/www.transunion.com\/credit-freeze\" target=\"_blank\" rel=\"noreferrer noopener\">Credit Freeze page<\/a> and click on \u201cUnfreeze My Credit.\u201d Create an account or log in to an existing account. You\u2019ll need to verify your identity by answering three questions specific to you.<\/p>\n\n\n\n<p><strong>By phone: <\/strong>Call 888-909-8872 and provide the same information for a TransUnion unfreeze.<\/p>\n\n\n\n<p><strong>By mail: <\/strong>Send your written request to:<\/p>\n\n\n\n<p>TransUnion<\/p>\n\n\n\n<p>P.O. Box 160<\/p>\n\n\n\n<p>Woodlyn, PA 19094<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"975\" height=\"758\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/image-1.png\" alt=\"\" class=\"wp-image-19895\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/image-1.png 975w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/image-1-768x597.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-unfreezing-your-credit-help-your-credit-score\">Does unfreezing your credit help your credit score?<\/h2>\n\n\n\n<p>Freezing and unfreezing your credit won\u2019t affect your credit health directly. However, it\u2019s likely you froze your credit because of a situation involving your credit, such as:<\/p>\n\n\n\n<ul>\n<li>Identity theft<\/li>\n\n\n\n<li>Fraud<\/li>\n\n\n\n<li>Data breaches<\/li>\n<\/ul>\n\n\n\n<p>Placing a credit freeze with Equifax, Experian and TransUnion can control the damage done to your credit. Additionally, freezes play a key role in preventing further problems. A credit freeze prevents others from opening new accounts in your name and hurting your credit. That\u2019s why freezing your credit can indirectly help protect your credit.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1527\" height=\"1343\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/Asset-2-8.png\" alt=\"\" class=\"wp-image-19897\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/Asset-2-8.png 1527w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/Asset-2-8-1100x967.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/Asset-2-8-768x675.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Will freezing or unfreezing credit prevent fraud?<\/h3>\n\n\n\n<p>Even after freezing and unfreezing your credit, you should stay vigilant against fraudulent activity. Remember that even if your credit is frozen, if the fraudster has your bank account or credit card numbers, they can still make purchases in your name. As debts add up, this can lead to financial trouble with or without a freeze.<\/p>\n\n\n\n<p>If you\u2019re concerned that a third party has your bank or credit card details, you should immediately contact your bank or credit card providers. They may have you replace your card, but you can use a <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/what-is-a-prepaid-card.html\" target=\"_blank\" rel=\"noreferrer noopener\">prepaid card<\/a> in the meantime.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>FAQ about credit unfreezes<\/h2>\n\n\n\n<p>While unfreezing your credit makes sense on paper, you may have a few questions about the details. To fully explain the process, here are some frequently asked questions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Why is my credit frozen if I didn\u2019t freeze it?<\/h3>\n\n\n\n<p>In some cases, other people can place a freeze on your credit without your knowledge. This typically occurs when:<\/p>\n\n\n\n<ul>\n<li>A Power of Attorney decides on your behalf<\/li>\n\n\n\n<li>A court order forces a credit freeze<\/li>\n\n\n\n<li>A parent freezes their child\u2019s credit<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>How long does it take to undo a credit freeze?<\/h3>\n\n\n\n<p>Depending on how you contact a credit bureau, they can lift a freeze in less than an hour. After bureaus receive your request to lift a freeze, they have to do so within a specific time frame. These ranges include:<\/p>\n\n\n\n<ul>\n<li>Bureaus must lift the freeze in <strong>under an hour<\/strong> if you contact them online or by phone.<\/li>\n\n\n\n<li>Bureaus must lift the freeze <strong>within three business days<\/strong> of seeing your mailed request.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>How much does a credit unfreeze cost?<\/h3>\n\n\n\n<p>Freezing and unfreezing your credit comes at no cost. Each credit bureau will go through the process free of charge. Additionally, federal law protects customers\u2019 access to free credit freezes and unfreezes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">When should you unfreeze your credit?<\/h3>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1552\" height=\"1759\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/Asset-1-8.png\" alt=\"\" class=\"wp-image-19898\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/Asset-1-8.png 1552w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/Asset-1-8-1100x1247.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/Asset-1-8-768x870.png 768w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2023\/10\/Asset-1-8-1355x1536.png 1355w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>After freezing your credit, you may want to keep it frozen until you need it. After all, keeping credit frozen reduces the risk of identity theft or fraud. Still, you\u2019ll need to lift the freeze when you:<\/p>\n\n\n\n<ul>\n<li>Apply for a line of credit or loan<\/li>\n\n\n\n<li>Open a credit card<\/li>\n\n\n\n<li>Place applications for rentals or a mortgage<\/li>\n<\/ul>\n\n\n\n<p>Basically, if someone needs to look at your report, it\u2019s time to unfreeze your credit. Short of that, you\u2019ll need to give them temporary access.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Repair your credit after a freeze with Lexington Law Firm<\/h2>\n\n\n\n<p>Whether you\u2019re looking to prevent fraud or have peace of mind with your credit, a freeze can help. While <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/news\/credit-bureaus-and-consumer-complaints-response.html\" target=\"_blank\" rel=\"noreferrer noopener\">credit bureaus<\/a> aren\u2019t easy to navigate, working with them can offer the protection your finances need. You\u2019ll need to learn how to unfreeze your credit sooner or later. In addition, being prepared to lift the freeze is essential when your credit can make or break a loan application and mortgage.<\/p>\n\n\n\n<p>The team at Lexington Law Firm can help you review your credit report to see if everything is accurately and fairly reported. With our <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair-services\" target=\"_blank\" rel=\"noreferrer noopener\">credit repair services<\/a>, we\u2019ll advocate for you and help you work toward your &nbsp;best credit possible. Get your <a href=\"https:\/\/www.lexingtonlaw.com\/credit-snapshot\/pi\" target=\"_blank\" rel=\"noreferrer noopener\">free credit assessment<\/a> today to see how we could help you.<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learning how to unfreeze your credit can protect against fraud while letting you apply for credit. We\u2019ll explain how to unfreeze your credit at each bureau.<\/p>\n","protected":false},"author":63,"featured_media":19894,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Unfreeze Your Credit Report: Methods &amp; Security Steps<\/title>\n<meta name=\"description\" content=\"Learning how to unfreeze your credit can protect against fraud while letting you apply for credit. We\u2019ll explain how to unfreeze your credit at each bureau.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-unfreeze-credit.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to unfreeze your credit report: methods &amp; security steps\" \/>\n<meta property=\"og:description\" content=\"Learning how to unfreeze your credit can protect against fraud while letting you apply for credit. 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