November 25, 2020

How to Lift a Credit Freeze

Credit Freezes

Many of us have put freezes on our credit reports, or we've frozen our credit reports so that it prevents unauthorized access to that credit report. But, here you are, getting ready to apply for a mortgage, and your credit is still frozen.

Why is it important to thaw our credit report?

Lenders need access to all that data, and we need it from all three credit bureaus: Experian, Equifax, and TransUnion. Many times people will thaw or unfreeze one bureau without making sure the others have been thawed as well.

How do you go about it? Thankfully, it's pretty simple.

You can go online you can even search for the term "thawing my credit report”, and you can follow the steps. Each of the different bureaus has a different process, but they’re each pretty straightforward. When you froze your credit report, you were probably issued a PIN, so as long as you remember that PIN, it's pretty easy to do. You put in the date range that you want it for, I select about a five-day period, and it's done. You could also try by phone or by mail, but those methods may be more cumbersome (in addition to potentially taking longer as well).

We applaud you for having your credit frozen to protect and prevent unauthorized access, but now it's important that it’s thawed so we can have all the data to help you the best that we can. If you have any questions at all, reach out to us.

Watch our video on this topic here.