How Can You Remove a Security Freeze From a TransUnion Account?


Quick Answer

Removing a security freeze from your TransUnion credit bureau account entails presenting your personal identification by telephone, mail or online and paying a fee, states TransUnion. The security freeze prevents identity thieves from accessing your credit report to open a new account or get new credit in your name.

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Full Answer

When a security freeze is in place at all three major credit bureaus, an identity thief cannot open a new account because the potential creditor or seller of services is not able to check the credit file, according to Consumers Union. When you apply for credit yourself, you can lift the freeze temporarily to submit legitimate applications.

A security freeze is not always a good option for protecting your identity, since it does not prevent thieves from accessing your existing accounts to withdraw funds or charge purchases, notes Consumer Reports. Additionally, the requirement to remove a security freeze from your credit report can cause delays and confusion if you need to set up electric or telephone service or secure a loan, job or housing rental in a timely manner.

If you experience problems with your security freeze, speak with a TransUnion representative, says Consumers Union. If this action does not produce a solution, file a complaint with your state's attorney general or with the Federal Trade Commission. These guidelines also apply to security freezes on your credit report with the other major credit reporting agencies, Equifax and Experian.

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