![]() ![]() TransUnion requires you to create a six-digit PIN when you place a credit freeze. If you’d rather lift your freeze by phone, or have further questions about thawing your freeze, call Experian at 88. You should receive your PIN immediately if you provide the correct identity verification information If you lose your PIN, use Experian’s online PIN request form to have your PIN sent to you. You will need to use this PIN when you want to lift your credit freeze. Include copies of documents that confirm your identity, such as a utility bill or driver’s license, and request to unfreeze your credit.Įxperian will provide you with or you will create a five- to 10-digit PIN when you freeze your credit. Fill out a freeze request form and send it to Equifax. Once you’ve successfully answered a few basic identity-verification questions, they will be able to unfreeze your credit. Talk with an Equifax representative by calling 88. Once logged in, you can lift your credit freeze. Sign into your myEquifax account online using your username and password. There are three ways to thaw your credit freeze with Equifax without a PIN: If a PIN wasn’t established when you initially placed a freeze on your credit, Equifax won’t require a PIN to unlock your freeze. With an online myEquifax account, you can freeze and unfreeze your credit without a PIN. How to Unfreeze Credit Without a PINĪll three credit bureaus provide ways to help you lift your credit freeze if you’ve lost your PIN. While TransUnion requires a PIN to unfreeze your credit over the phone, there may be ways you can unfreeze your credit with Equifax over the phone without a PIN.Įxperian is the only credit bureaus that requires a PIN to thaw a credit freeze regardless if you do it online, over the phone or by mail. The need for a PIN to unfreeze your credit depends on the specific credit bureau.īoth Equifax and TransUnion let you unfreeze your credit online without your PIN by entering your account username and password on their websites. When Is a PIN Necessary to Unfreeze Your Credit? Once you’re all set after your move, be sure to reinstate your credit freeze. Permanent lifts, with no specified end date, are best when you know your credit report will be checked by multiple entities, such as landlords and utility companies when you relocate. With temporary freezes, credit bureaus will automatically put a freeze back on your credit report after the designated time is up. This option is best if you’re applying for an auto loan, mortgage or credit card, as it provides enough time for banks and lenders to review your credit. A temporary lift can last between one and 30 days. There are two types of credit freeze lifts: Whether you want to unfreeze your credit temporarily or permanently, there are ways to thaw your credit and allow banks and lenders to access your credit history. ![]() If you’re looking to unfreeze your credit but lost your PIN, don’t fret: TransUnion, Experian, and Equifax still make it possible to unfreeze your credit. But if you aren’t careful, you could forget the main tool needed to unfreeze it: your PIN. Other names may be trademarks of their respective owners.Freezing your credit is a smart idea that helps prevent identity theft. The Android robot is reproduced or modified from work created and shared by Google and used according to terms described in the Creative Commons 3.0 Attribution License. Microsoft and the Window logo are trademarks of Microsoft Corporation in the U.S. Alexa and all related logos are trademarks of, Inc. App Store is a service mark of Apple Inc. Mac, iPhone, iPad, Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. Android, Google Chrome, Google Play and the Google Play logo are trademarks of Google, LLC. Firefox is a trademark of Mozilla Foundation. or its affiliates in the United States and other countries. NortonLifeLock, the NortonLifeLock Logo, the Checkmark Logo, Norton, LifeLock, and the LockMan Logo are trademarks or registered trademarks of NortonLifeLock Inc. LifeLock identity theft protection is not available in all countries.Ĭopyright © 2023 NortonLifeLock Inc. The Norton and LifeLock Brands are part of NortonLifeLock Inc.
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