How to Thaw a Credit Freeze — and Why You Would

A credit freeze can be a pivotal step to protect yourself from identity theft.

When you have a freeze on your credit reports, lenders can’t view them in response to an application for new credit — and that helps prevent criminals from opening credit card or loan accounts in your name.

But as long as a freeze is in place, you can’t access new lines of credit either.

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(Note that you can still pull up your own credit reports when they’re frozen, and lenders can check your reports to manage accounts you already have with them. Additionally, certain other entities, such as employers who want to analyze a job candidate’s credit history or landlords who need to screen a potential tenant’s credit, may be able to access credit reports while a freeze is in place.)

If you’re preparing to shop for a loan or credit card, you can temporarily lift your credit freeze. Just as with placing a freeze, lifting it is free.

How to lift your credit freeze

If you need to lift your credit freeze, ask the lender or institution which credit report it checks. You may get away with removing the freeze at only one of the major credit-reporting companies rather than all three (Equifax, Experian and TransUnion).

If you expect to apply with multiple lenders, however — say, because you’re shopping for the lowest rate on a mortgage or auto loan — you may have to lift the freeze with two or more of the companies.

If you have online accounts with the credit-reporting companies, you can use them to thaw your freeze; log in to your Experian account at www.experian.com/freeze/center.html, Equifax at www.equifax.com/personal/credit-report-services and TransUnion at www.transunion.com/credit-freeze.

Alternatively, you can call Experian at 888-397-3742, Equifax at 888-298-0045 and TransUnion at 800-916-8800. You may need to verify your identity by answering security questions.

In response to online and phone requests, the credit-reporting companies must lift a freeze within one hour (usually, it happens right away).

If you want a written record of your request to lift a freeze, you can send the request by snail mail — but it will take more time than the other methods. (You’ll find mailing addresses for each of the credit-reporting companies at kiplinger.com/kpf/freeze.)

You may have to include identifying documents, such as a copy of your driver’s license, Social Security card or a bill that lists your address, says Rod Griffin, senior director of public education and advocacy at Experian.

A credit-reporting company must lift the freeze within three business days of receiving your request.

When you temporarily lift a credit freeze, you can specify how long your credit report will be available to new lenders for review before the freeze automatically goes back into place. You could set the lift for a single day if you know the date the lender will perform a credit check.

Otherwise, you may want to arrange for the lift to last a week or two to make sure lenders have adequate time to review your report.

During the window that you don’t have a freeze enacted, you’re more vulnerable to identity theft in the form of criminals opening new credit accounts in your name. So you should be extra vigilant in monitoring your credit reports for signs of fraud.

You can get free weekly online reports from all three credit-reporting companies through AnnualCreditReport.com.

Note: This item first appeared in Kiplinger Personal Finance Magazine, a monthly, trustworthy source of advice and guidance. Subscribe to help you make more money and keep more of the money you make here.

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