If you have placed a freeze on your credit report, you took a proactive step in protecting your personal information. Taking an active role in managing and protecting your data identity is the foundation of building and maintaining healthy credit. It puts you in control. But at some point you’ll want to apply for a new credit opportunity. Whether it’s for house hunting, car shopping or a new credit card, it’s never been easier to unfreeze your credit report.
It’s a good idea to ask your potential lender which of the three credit bureau’s credit report they pull. This includes TransUnion, Equifax and Experian. Some may pull one. Others may pull all three. It can depend on the product and lender you’re working with. Because you have to unfreeze your credit with all three credit reporting agencies individually, it can save you time to find out in advance. You have two options when it comes to unfreezing your credit report with TransUnion. You can remove the freeze from your credit report or you can temporarily lift the freeze for a specific period of time.
How to unfreeze your credit
If you’re not sure if your credit is frozen, the simplest way to confirm is to log into your account online. You can bookmark that direct login webpage or you can always go to our dedicated Credit Freeze page to access your account and see more information like FAQs. If you don’t have an online account, you will need to create one.
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