![]() Fees vary by state.įeel free to contact your CLG Mortgage Consultant with any other questions you have. You may have to pay a small fee to place a freeze, depending on your state and whether or not you’ve been a confirmed victim of identity theft. Your account username and password (TransUnion only)Īlso have a credit card handy – in some cases, fees do apply. Before you apply for new credit, you will need to temporarily lift the security freeze following the procedures from the credit reporting company where you placed the freeze. Start by contacting each of the three credit reporting companies (TransUnion, Experian, and Equifax) separately to place a freeze.Your Security Freeze PIN or password for each credit bureau.If you lose your PIN, you’ll need to contact each bureau individually and can either request a new PIN or permanently lift your freeze.īe prepared to provide detailed information to verify your identity: Download this form for mailing instructions. To place a freeze on your Equifax credit report, create a myEquifax account, call (888) 298-0045, or send a written request via U.S. ![]() In most cases, if you make the request by phone or online, the credit bureaus can lift a freeze in as little as 15 minutes, although the Federal Trade Commission gives them up to three business days. Placing, temporarily lifting and permanently removing a security freeze (also known as a credit freeze) on your credit reports is free. To unfreeze your credit, you’ll need to use the secure PIN that you received when you originally requested a freeze. You may request a temporary lift for a specific credit grantor, or request a date range lift for a specific period of time, ranging from 1 day to 1 year. You must contact each of the three major credit bureaus – Equifax, Experian and TransUnion. If you did and are planning to apply for a mortgage, you will need to lift the freeze for us to process your application. From getting free Equifax credit reports to using Equifax product features, we cover it all on our FAQ page. Support and information on your Equifax products. Did you freeze your credit after the Equifax data breach? Information about your credit reports or credit scores, and how to obtain a free annual credit report.
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