![]() ![]() If you call or use the online services unlocking the credit report freeze will be immediate. Just go online, call, or write to the credit bureaus using the credit bureau contact information above. If you need to temporary unlock the freeze, no problem. How to temporarily unlock a credit report security freeze You also don’t want to be rejected for credit because of the credit report freeze. You don’t want any delays or other issues when applying for these kinds of credit. That is okay as doing so is easy and fast in most cases. You might need to temporarily lift the freeze for these types of credit. It also does not prevent you from opening a new bank account, applying for a job, renting an apartment, or buying an insurance policy. Free Annual Credit ReportsĪ credit report freeze doesn’t prevent you from ordering your free annual credit reports. For the same reason, a credit freeze will not prevent identity thieves from accessing your existing credit accounts either. It is intended only to prevent identity thieves from establishing new credit in your name. A credit freeze has no effect on your credit score. If you are worried about how a credit freeze affects your credit score, fear not. Does a Credit Report Freeze Affect your Credit Score? All three major credit bureaus now offer the credit report freeze services for free. Does a Credit Report Freeze Cost Anything? If you issue authorization to a company to access your reports, authorization is limited to a specific party for a specific amount of time. The confirmation must include a unique personal identification number or password you can use to release your credit information to selected companies. The credit bureaus must then send you written confirmation of the freeze within ten business days of placing the request. If you request the freeze online or by phone it will happen immediately instead. ![]() Once requested, the credit reporting agencies must place the security freeze within five business days. If you prefer to freeze and unfreeze your credit reports by telephone here are the contact phone numbers for each credit bureau: Equifax: 88
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