What Should I Do After I Freeze My Credit Report?

Blog Post09/05/2018
Credit Advice

It’s a breeze to freeze but then what?

You took a proactive step in protecting your personal information by freezing your credit report. According to an IPSOS survey sponsored by TransUnion, you are part of the 82% of Americans who hold themselves accountable for protecting their own data. You want control of who can access your credit report – that is why you protected yourself with a freeze. At some point though, you will want to apply for credit. No sweat. It has never been easier to unfreeze your credit report. The power is in your hands. Freezing or unfreezing your credit report does not impact your credit score. As long as you continue to manage your finances responsibly (ex. paying bills on time) your credit score can continue to improve.

What Are My Options?

Basically, you have two options: Unfreeze your credit with no end date, or unfreeze for a selected period of time. If you unfreeze with no end, your TransUnion credit report will be accessible to lenders with a permissible purpose to view it. When you are ready to freeze again, it will be up to you to add a freeze back on to your credit report.

If you unfreeze for a selected period of time, you set the date range in which your TransUnion credit report will be accessible to lenders. After that time period, you credit report will be frozen again automatically. You won’t need to do anything.

Would you like to see your credit score now?   YES, SHOW ME MY CREDIT SCORE

Unfreeze

We have made it easier than ever to access and unfreeze your credit report. Download “myTransUnion” in the Apple or Google Play App store and freeze/unfreeze right from your pocket.

To unfreeze, login to your account (online or in the mobile app) and select “Remove Credit Freeze”. When you are ready, you can come back and freeze again. If you do not have an online account you will need to create one.

You can also call TransUnion to unfreeze at 888-909-8872 and our interactive voice response system will guide you through the process. In this case, please have your social security number, address, date of birth, and freeze PIN ready before your call. Remember, if you are changing your freeze through the phone system you will need your PIN.

Unfreeze for a Specific Time Period

To unfreeze for just a while, login to your account (online or in the mobile app myTransUnion) and select “Temporarily Lift Freeze”. Then enter the dates you want your credit report to be unfrozen. We will automatically add a freeze back on to your credit report on the end date at midnight.

To make things easy, you can plan and schedule your freeze removal up to 15 days in advance of when you want it to happen. If you wish to unfreeze more than 15 days from today, please login closer to the date when you want your credit report unfrozen.

You can also call TransUnion to unfreeze at 888-909-8872 and our interactive voice response system will guide you through the process. In this case, please have your social security number, address, date of birth, freeze PIN, and start and end dates (for a temporary unfreeze), ready before your call. Remember, if you are changing your freeze through the phone system you will need your PIN.

What If I Forget My PIN?

You’ll only need your PIN if you make changes to your freeze via phone. You won’t need it in the mobile app or online.

How do I change my freeze PIN?

Requesting a new PIN is quick and easy online. Login and follow the prompts and have your new PIN in a flash.

Your PIN is a 6-digit number that will be associated with your credit freeze. Choose something that you'll remember but others might not easily guess. Your PIN needs to be something not previously used, and can’t be all zeroes.

What is the PIN used for?

PINs are there to make sure it’s really you making changes to your credit report when using the phone system. They provide an additional layer of security. You won’t need it to make changes to your freeze online or through the mobile app

Protecting your Future

A good idea may be to add a freeze to your credit report whenever you are not active in the credit market. When you are ready to apply for credit simply use the myTransUnion app to unfreeze. You can also try one of TransUnion’s product solutions such as TrueIdentity to monitor and protect your credit report and get alerts when anyone tries to access it. Remember, you’re in control of your financial future. We’ll be here to help.

Disclaimer: The information posted to this blog was accurate at the time it was initially published. We do not guarantee the accuracy or completeness of the information provided. The information contained in the TransUnion blog is provided for educational purposes only and does not constitute legal or financial advice. You should consult your own attorney or financial adviser regarding your particular situation. For complete details of any product mentioned, visit transunion.com. This site is governed by the TransUnion Interactive privacy policy located here. https://www.transunion.com/legal/privacy-policy