WalletHub, Financial Company
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You can remove a credit freeze from your credit reports for free by contacting each of the major credit bureaus you placed a credit freeze with. You can remove a credit freeze online and, in some cases, over the phone or by mail. You can also specify how long you want the freeze to be lifted, whether it’s permanent or temporary.
Each credit bureau will need to verify your identity before following through with the requested freeze removal. The steps below will guide you through the process.
How to Remove a Credit Freeze:
- Contact each credit bureau: You can contact the credit bureaus online, by phone or by mail. The easiest way to request the removal of a credit freeze is to do so online – via the Experian, Equifax and TransUnion websites.
- Provide your PIN or verify your identity: Experian and TransUnion assign a PIN when you place a credit freeze. You will need to confirm the PIN to remove the credit freeze from each bureau’s credit report. If you don’t have a PIN, you will be able to verify your identity using your full name, address, date of birth, and Social Security number. You may have to answer questions about the contents of your credit report, too. Equifax no longer uses a PIN for credit-freeze management. You just need to sign in to your Equifax account.
- Wait for confirmation: All three credit bureaus are required to lift a credit freeze within one hour if the request is made online or over the phone. For a request made by mail, the bureaus must lift the freeze within three days of receiving the request.
It’s important to note that placing and removing credit freezes is now free, thanks to a law passed in 2018. For a more in-depth look at credit freezes, you can consult our credit freeze guide.
People also ask
How do I know if I am eligible for a credit freeze?
There isn't any eligibility criteria per se...if you have credit, you're eligible. But perhaps you're asking about eligibility for a no-cost freeze? That depends on the respective credit agency, the state where you live, whether or not you're already a victim of ID theft, and so on.
Check out my blog post where I share my own experience securing a credit freeze with the 4 main agencies: How to Really Protect Your Credit File from Theft
Does WalletHub do a credit freeze?
WalletHub does not place a credit freeze directly. In order to request or remove a credit freeze, you must contact TransUnion.
They can be reached via their website, by mail or by phone. You will be asked for your full name, address, date of birth, Social Security Number and other personal information as a way to verify your identity, so make sure you have that information.
Here’s how to request a credit freeze...
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