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Through the online or other methods, you will need to provide your security freeze PIN.

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If the request is submitted in writing, you will need to provide your full name, current address, social security number, date of birth, and applicable proof of identification, like a copy of your driver’s license, is also required. You can also call Equifax at (888) 298-0045, or if you prefer, request your security freeze removal in writing and sending it to the following address: Through a simple online process, you can submit your request through this link. Through Equifax, you have the option to request a temporary security freeze removal that is either specific to a certain creditor or a general removal that applies for a set period, ranging from one day to one year. With each credit reporting agency, the process differs slightly. The credit bureaus have three days to remove a freeze after you’ve submitted your request, and it may cost money to have a freeze temporarily thawed (lifted, unfrozen, removed). If you have a specific reason for removing a credit freeze, like those mentioned above, a temporary lift may be the smarter option. You have two options for removing a credit freeze: either a temporary lift or removing it altogether. In most states, a credit report freeze is in place until you request it be removed. If you are about to apply for new credit, start a new gig, or move, removing a security freeze from your credit report with all three credit bureaus, Experian, Equifax, and TransUnion is a must. An evaluation of your past and present financial life is needed for so many things these days, including getting a new job, applying for a car or personal loan, and even putting utilities in your name.

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When to Remove a Credit Freezeīefore going into the specifics of how to remove a credit freeze, it may be helpful to know when you should take this step. Here’s how to unfreeze your credit report by removing a security credit freeze. While a security freeze is a long-term tactic in safeguarding your credit from bad actors, there are times when it needs to be accessed.

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With a security credit freeze in place, new creditors are required to stop an application in its tracks since verification of past payment history, other credit accounts, and other relevant details necessary for approving a new account cannot be done. One such tool is a credit freeze, also known as a security freeze, which gives notice to any creditor attempting to view one’s credit information for the purpose of getting a new loan, credit card, home mortgage, or line-of-credit account. If you wish to place or remove a security freeze on your NCTUE account, call 1-86 or visit all the buzz around massive data breaches and identity theft, many consumers have made the smart choice to take various degrees of security measures as it relates to their credit reports.

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There are other specialized credit reporting agencies, one of which is the National Consumer Telecom and Utilities Exchange (NCTUE), which maintains data reported by some telecommunication, pay TV and utility service providers. However, if you want to apply for a new loan or credit card, you will need to again contact each credit reporting agency to have the freeze temporarily lifted or thawed. The three major nationwide credit reporting agencies are Experian, Equifax, and TransUnion.Ī credit freeze does not affect your existing credit in any way. To place a credit freeze on your file, consumers must contact each credit reporting agency directly. It should be noted that the law does give some companies access to reports despite a freeze, such as insurance companies, potential employers and other persons performing background screening, existing creditors and law enforcement agencies. By denying such access, a credit freeze makes it very difficult for an identity thief to open an account in a victim’s name. When a freeze is in place, credit reporting agencies may not release the consumer’s credit report or credit score unless the consumer first removes the freeze by providing proper identification. Most lenders and creditors rely on access to a consumer’s credit file to determine the person's credit worthiness. A lift is available electronically - often within minutes of the credit reporting agency’s receipt of the request, although it make take up to one hour.Ī credit freeze can be a powerful weapon against identity theft.

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It is also free to lift (or “thaw”) the freeze to allow access to the consumer’s credit file.

As Georgia law had already provided, federal law now makes it free for all consumers to place a security freeze (also known as a “credit freeze”) on their credit file with every nationwide credit reporting agency.