How Do I Unfreeze My Credit with TransUnion?

Introduction

A credit or security freeze benefits consumers, preventing new accounts from being opened under their name. When your credit is frozen, lending companies and other third parties cannot access your credit. The good thing is that you don't have to pay anything when you freeze your credit. Your credit score also isn't affected. Unfreezing your credit is also easy, and there's no fee involved. Read this short step-by-step guide if your credit is frozen and you want to unfreeze it.

Visit the TransUnion Credit Freeze Page

Want to unfreeze your credit? Visit this site:

https://www.transunion.com/credit-freeze

Tap Unfreeze once on the website and sign in to your account. Use your username and password when logging in. If you don't have your login credentials, there is another way to log in to your TransUnion account.

Log In With Your Social Security Number

On the sign-in page, just tap Log in Another Way and enter your social security number, last name, and date of birth. Tap Continue to get started with unfreezing your credit with TransUnion.

Tap Remove Freeze or Temporarily Lift Freeze

If your account is frozen, you will see two options: to remove the freeze on your account or temporarily lift the freeze.

If you remove a freeze, lenders and other companies can access your credit file. Those who don't want lenders to have permanent access to their credit report may choose to temporarily lift the freeze. Just tap the second option and enter the dates you wish the lift to occur. Note that there's no fee for temporarily lifting the freeze on your account.

For parents, they can also freeze and unfreeze their child's credit. To put a freeze on their credit, submit a written request for a "protected consumer freeze" if it's a minor, along with proof of authority documentation. This documentation shows that you have the authority to act on behalf of a minor dependent. You can submit an order issued by the court of law, a document issued by the local government or state, or a valid power of attorney. You must also provide your Social Security number, birth certificate, and driver's license. You can contact TransUnion to learn more about this.

Tap Continue

Click continue if you want to remove the freeze, or click Temporarily Lift Instead if you change your mind.

Wait for the Confirmation

After confirming the freeze removal, wait for the message that says your credit freeze has been removed. When the freeze is removed, lenders can view your credit if you apply for a loan or credit card.

You can also remove a freeze by calling TransUnion or sending them a written request. Remember to include your complete name, address, and social security number, and send the request to their P.O. Box address.

Transunion address:

P.O. Box 160
Woodlyn, PA 19094

Conclusion

As mentioned, you can also freeze or unfreeze credit by phone, and the process takes effect immediately. However, while a credit freeze is similar to a credit lock, the latter is a feature of credit monitoring services and may not be free. Also, remember that you won't be able to apply for credit when it's frozen. If you're considering getting a mortgage or a credit card, consider temporarily unfreezing your account first. Do you still have questions about how to unfreeze your credit with TransUnion? Don't hesitate to get in touch with Customer Support.