![]() ![]() Please note: If you temporarily lift a security freeze for a specific date range, locking your credit report. After we receive the request and verify your identity, you will receive confirmation. Its free to replace a security freeze with a lock. Read more about acceptable documents here. If you are requesting to temporarily lift or permanently remove a security freeze via mail, you'll need to provide documents to validate your identity and address. To place a freeze, either use each credit. Please download this form for instructions and mailing address. There is no fee for Indiana residents to place, temporarily lift, remove or request a new password or PIN. You'll also have the option to receive a one-time PIN by text message or answer questions based on information in your Equifax credit report for identity verification. You'll be required to give certain information to verify your identity. You can check the status of your security freeze through your myEquifax account as well. Online, by creating a myEquifax account. ![]() You can do this in one of the following ways: If you want to convert your security freeze to a lock, you'll need to permanently remove the freeze. If you're just going to do one thing, like ordering a new phone or buying a new car, you should check with the service provider or auto dealer to find out which credit-monitoring agency it uses, then grant access to that agency.You can have a security freeze on your Equifax credit report or a lock, but not both. In addition, you may not have to thaw your report at all three credit bureaus. The credit-reporting agencies have a feature that lets you select a window for when a thaw goes into effect and when it will automatically refreeze. If you only need to give one creditor access for a specific amount of time, you can impose a temporary thaw. Once you've taken care of your business, you can freeze your credit once again. ![]() You may want to enroll in a credit-monitoring program, but be aware that these often carry additional costs. Creditors now have access to your data, but criminals also have the opportunity to open accounts in your name if your information has been compromised. Once you impose the thaw, make sure you monitor your credit report. Online: Create an account on, hover over Protection, then select Security freeze under Identity Theft Support. Experian offers three ways to freeze and unfreeze your creditmail, online, and over the phone. If you're planning lots of financial moves without a clear timetable, such as applying for a mortgage, you can simply thaw your credit report indefinitely.Ĭontact each of the three major credit bureaus either by going online, calling them on the phone, or by mail. How to Quickly Unfreeze Credit with Experian. To place, temporarily lift, or permanently remove a security freeze from Experian and TransUnion, the other two major credit reporting agencies, you'll still need a PIN number. "Credit freezes are consumers' best protection against new account fraud, and consumers should take advantage of free freezes, lifts, and removals at the three major credit bureaus to help reduce the risk of identity theft," says Maureen Mahoney, policy analyst for Consumers Union, the advocacy arm of Consumer Reports. Any previously frozen credit reports will remain frozen until a consumer changes the report's status. Before applying for credit, you will need to lift your security freeze so that potential creditors can access your Equifax credit report. If you've lost your number, a new one can be requested by downloading, filling out, and mailing this form to Equifax. Your old Equifax PIN will still be valid in these instances. However, if you want to manage your Equifax report by phone or by mail, Bistritz-Balkan says you'll still need a PIN number. A username and password will be necessary to thaw or lift your credit freeze online, she says. "We wanted to create an online experience that enables consumers to securely and conveniently manage security freezes and fraud alerts," says Nancy Bistritz-Balkan, Equifax's vice president of consumer education & advocacy. To create the account you'll have to provide information such as your name, Social Security number, and home address. Now, you need to open a new online account with Equifax in order to manage your credit, even if you've already been issued a PIN number by the company. TransUnion: Call TransUnion on 1-88 to request the credit freeze. Equifax: Call (800) 349-9960 and you’ll need to give your Social Security number, street address and state of residence. Before the new law was enacted, Equifax would give you a PIN number to initiate a credit freeze. Experian: Call 1 8 and provide the required information. ![]()
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