However, if you want to lift the freeze through your TransUnion online account, you won't need to use your PIN; you can simply log in to your account using your username and password. If you'd rather unfreeze your credit over the phone, you will need your PIN. To contact TransUnion directly, call 888-909-8872.
How Do You Unfreeze Your TransUnion Credit Report By Phone? All you need to do is call 888-909-8872. An interactive voice response system will guide you through the process of unfreezing your credit report.
Two of the three major credit bureaus have recently changed their policies related to security freezes and PINs. As of 2018, if you're unfreezing your credit reports online through Equifax or TransUnion, you won't need a PIN at all. You'll only need to enter your account username and password.
To unfreeze for a specific timeframe, log into your account online and select “Temporarily Lift Freeze” Enter the dates you want your credit report to be unfrozen.
In order to place or remove a credit freeze on your credit reports, you must contact each of the three major credit bureaus (Equifax, Experian and TransUnion) individually. It might be worth asking your potential creditor or employer which bureau it uses for credit checks.
If you've frozen your credit at all three national bureaus (Experian, TransUnion and Equifax), you'll need to thaw it at each bureau separately.
In most cases, if you make the request online or by phone, the credit bureaus can lift a freeze in near real time. The Federal Trade Commission allows the bureaus up to one hour to complete an online or phone request, while requests by mail must be granted within three days after receipt.
A credit freeze means potential creditors will be unable to access your credit report, making it more difficult for an identity thief to open new lines of credit in your name. A credit freeze does not affect your credit score, and it's free.
By phone: Call us at (888) 298-0045. You'll have the option to verify your identity by providing certain personal information, and receiving a one-time PIN by text message (data charges may apply) or answering questions based on information in your Equifax credit report.
A security freeze prevents prospective creditors from accessing your credit file. Creditors typically won't offer you credit if they can't access your credit reporting file, so a security freeze, also called a credit freeze, prevents you or others from opening accounts in your name.
The quickest and easiest way to unfreeze your credit report is to contact the credit bureau (or bureaus) you used to freeze your credit either online or by phone. But you also have the option to contact them by mail.
You can also manage your freeze by phone: call us at (888) 298-0045. You'll be required to give certain information to verify your identity. 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.
If you view your credit report through AnnualCreditReport.com, you'll see a statement on the report indicating the freeze. You could also call Experian to check on your credit report's status and add or remove a freeze. You can contact Experian support at 888-EXPERIAN (888-397-3742).
If you already have a credit freeze, you'll need to lift it. A credit freeze can take anywhere from 15 minutes to three days to lift/thaw. Even soft credit pulls -- ones that don't always impact your credit score-- require a credit lift.
Lifting the freeze creates extra work for you.
The FTC requires that credit bureaus must unfreeze your account upon your request (they must do it within one hour if you request online or by phone, or within three business days if you make your request by mail).
The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus. This means a couple of things: The scores we provide are actual credit scores pulled from two of the major consumer credit bureaus, not just estimates of your credit rating.
Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
Contact the general customer service toll-free number at Transunion at 1-800-916-8800 to reach a human representative. Answer the voice prompt or Press 0 if asked to enter a number. To be transferred to a human operator, you need to say DISPUTE when asked for the reason for the call.
If you're still having trouble resetting your username or password, call us at 800-916-8800. How do I change my TransUnion login information?
If you locked your TransUnion credit on Credit Karma, the best way to continue protecting your credit will be to unlock your TransUnion report through Credit Karma before August 1, 2022, and then contact TransUnion directly to place a freeze on your credit.
Credit freezes and credit locks both restrict access to your credit reports. But credit freezes are free, while credit locks may be offered as part of expanded paid services.
To speak with a Customer Support representative immediately, call us at 800-813-5604. If you are looking for additional information on TransUnion Direct or its available service solutions, please Contact Us.