Q:

How do you unfreeze a credit report?

A:

Quick Answer

To unfreeze a credit report, visit the website of the credit reporting agency that you used to freeze your credit report, research the requirements for unfreezing your report, and complete the designated online form. You can also unfreeze your report by certified mail or phone.

Continue Reading

Full Answer

  1. Visit the website of the credit reporting agency

    Navigate to the website of the company that you used to freeze your credit report. If you have a phone number available, you can also call it to unfreeze your credit report.

  2. Research the requirements

    Each company requires personal information and verification of identity. You need to be able to provide your name, address, date of birth, Social Security number, two forms of identification and the PIN you received when you froze your credit report. If you were a victim of identity theft, freezing and unfreezing your credit report is free, but if you froze your report voluntarily, you also need to pay a fee, which varies by state. The fee listing accompanies the information on unfreezing a credit report.

  3. Complete the process

    Once you have all of the required information and documents, complete the online form or submit the required documentation by certified mail or phone.

Learn more about Credit & Lending

Related Questions

Explore