How to Unfreeze a Consumer Credit Report

Following the announcement of the Equifax credit data breach in September 2017, many consumers placed a freeze on their credit reports in order to prevent unauthorized credit activity. Prior to obtaining any new credit, however, consumers must authorize reporting bureaus to lift that freeze.

Consumers have several ways to unfreeze credit. One-time access authorizes a specific creditor to check the file, a temporary lift allows multiple creditors access during a specified time period, and a permanent removalopens credit reports until a new freeze is requested.

To remove (or place) a credit freeze, use the following resources for each credit reporting bureau:

Experian: Visit www.experian.com/freeze. Call 1-888-397-3742. Request by mail: Experian Security Freeze, P.O. Box 9554, Allen, TX 75013

Equifax: Visit www.freeze.equifax.com. Call 1-800-685-1111 (New York residents call 1-800-349-9960). Request by mail: Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348

TransUnion: Visit freeze.transunion.com. Call 1-888-909-8872. Request by mail: TransUnion LLC, P.O. Box 2000, Chester, PA 19016

Equifax is waiving fees to freeze and unfreeze credit through January 31, 2018. All other fees will vary by state and credit bureau. If you’d like to learn more about how credit and credit freezes can impact your ability to secure a home loan, please get in touch with me today. I’m happy to help!

Feel free to call me anytime for additional questions 303-549-0891.

 

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