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Stuck with A Credit Freeze? How to Unlock Without a Pin

- Jun 5, 2019 Identity Theft0 comments

Credit Freeze

Identity theft is increasing rapidly year after year. That is why, in the last few years, more and more consumers are starting to take action, like freezing their credit reports. Last year in May, congress signed a bill that gives consumers the right to freeze their credit reports for free. Placing a security freeze on your credit report makes it very difficult for thieves to open new trade lines in your name. In order for a bank to issue a tradeline, they will need to view your credit report. Placing a security freeze makes that impossible.

This is all great if you do not want other people opening trade lines in your name. But how about if you yourself want to apply for a new credit card, mortgage, etc.? It’s not a problem! You can, at any time, unfreeze your credit report using a pin that was issued to you at the time you placed the freeze. But what happens if you lost the pin? Ouch! Now is trouble. But don’t freak out. Here in this post, I will explain two ways you can unfreeze your credit reports, even without a pin!


Online

You can unfreeze your credit reports, by all three credit bureaus, online without a security freeze pin. Be prepared to answer a list of security questions. These questions can sometimes be very comprehensive. For example the most recent balance on your credit cards, or the last four digits of your bank account. Make sure to have all the information available before you start. Do not panic and slowly go through the process.

Here are the links of where you can lift a security freeze online by all three credit bureaus without a pin,

Experian:

https://www.experian.com/freeze/center.html

Transunion: 

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

Equifax:

https://www.equifax.com/personal/credit-report-services/

By Mail

The other and longer process to lift a security freeze without a pin is by snail mail. Mail a letter with supporting identification documents to the credit bureaus (it’s recommended to mail the letters with tracking). Documents needed may be: Photo ID, proof of address, and for Equifax, you will need proof of your social security number as well. Check the credit bureaus websites for a list of acceptable documents.

Mail the letters to,

  • Experian Security Freeze, PO Box 9554, Allen, TX 75013
  • Equifax Information Services LLC, P.O. Box 105788 Atlanta, GA 30348-5788
  • TransUnion Fraud Victim Assistance, P.O. Box 2000, Chester, PA 19022-2000

How Long Will It Take for The Freeze to Be Removed

If you request the credit freeze lift online, then it should be lifted within the hour. If you request the lift by mail, then the credit bureaus have up to 3 business days to lift the freeze.

How Do I Know If the Freeze Was Lifted?

The easiest and best way of knowing if the security freeze was lifted, is by calling the credit bureaus security freeze department.

Equifax: 800-349-9960

Experian: 888-397-3742

Transunion: 888-909-8872

After entering your social security number and a portion of your address, listen to the message. If it asks you if you would like to unfreeze your credit report, then you know that your credit report is still frozen. But if they ask you if you would like to place a freeze on your credit report, then you know that your credit report is unfrozen.

If you need any further assistance with lifting a credit freeze just Ask Sam. I will be happy to help.

You may also want to read: https://helpmebuildcredit.com/credit-freezes-now-free-everything-you-may-want-to-know/

Have a great day!

Was this article helpful?

Sam Sam has nearly a decade's worth of experience educating his many readers on everything credit. Sam spends his days checking out credit cards for a full report, from the minute benefit details to the shebang of welcome bonuses. Plus studying the ins and outs of building proper credit. It’s his favorite pastime and he loves sharing it with others.

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