![]() Here are some of the most frequently asked questions on unfreezing credit. You may have some additional questions about unfreezing your credit reports. How to Unfreeze Your Credit Through Equifax Unlike fraud alerts, which only require you to contact one bureau, you have to get in touch with each credit bureau to unfreeze or freeze your credit. If you spoke with someone over the phone, try to remember if you had to use a PIN and what that PIN is. Once you’re ready to unfreeze your credit, it may help to think back to how you froze it initially.ĭid you do it online? If so, try to track down your login information and password and any other information you may have used. This could save you the hassle of unfreezing and refreezing your credit when you apply for a loan. If you froze your accounts as a precaution but you think all your accounts are secure, then it may make sense to permanently unfreeze your credit. You may be able to schedule a thaw in advance if you know what dates you’ll need your credit freeze to be lifted. To thaw your credit, you can lift your credit freeze for a specific number of days to give lenders enough time to access your credit reports. If you froze your credit because you suspected or knew your personal information had been stolen or misused, then you may only want to unfreeze your credit temporarily. There are two ways you can go about unfreezing your credit. And they can only do this if your credit reports are unfrozen. If you’re applying for credit, your potential lenders will need to access your credit to make a decision on your application. You may want to unfreeze your credit when you’re applying for a credit card or a mortgage or other loans.
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