If you have a TransUnion credit freeze and you lose your PIN, for example, it's still relatively easy to thaw your credit account and give banks and lenders access to your credit history. Load Error
Another downside is that requesting a credit freeze with one bureau doesn’t apply to them all. Once you’ve placed a freeze with TransUnion, you’ll need to repeat the process with Equifax and Experian. And once you’re ready to use your credit again, you’ll need to unfreeze your credit with each of them.
A credit freeze can secure your credit reports from unauthorized access. It's now free to freeze and unfreeze your credit reports with the three major credit reporting bureaus.
To request a temporary lift or permanently unfreeze your credit report, call TransUnion at (888)-909-8872 or write to TransUnion, P.O. Box 380, Woodlyn, PA, 19094. You may need to prove your identity and provide your PIN when you’re making changes to your credit freeze by phone or mail.
If you ever need to unfreeze your credit report with TransUnion when you’re applying for credit, just return to the Credit Freeze page and log in using the account details you were provided.
For example, at TransUnion, parents and guardians can freeze – and unfreeze – credit for those 15 years old and younger. If you have a valid power of attorney to handle someone's financial affairs, you can call the bureau to request the freeze. Spouses can request freezes for each other, as long as authentication is set.
TransUnion notes that mail is the slowest way to freeze credit. Once a freeze is in place, you will get a randomly generated PIN in the mail. TransUnion credit freeze by phone
To retrieve a lost PIN for a TransUnion credit file security freeze, you will need to do one of two things. First, call 1-888-909-8872 to request your credit report freeze be lifted. If you mention you do not have access to your PIN, you will be prompted to answer several identifying questions related to your credit history.
If you freeze your credit reports—which you have to do separately for each of the three major credit bureaus (Experian, Equifax and TransUnion)—you'll likely want to unfreeze your credit information in the future. The reasons can range from applying for a new credit card, getting a mortgage or signing up for a cell phone contract to buying ...
If your credit file is frozen and you need to apply for credit, you can lift the freeze at Experian's Freeze Center. Simply select "Remove or lift a security freeze" and follow the instructions. Temporarily Lifting a Freeze. You can specify how long you want the freeze to be lifted — a day, week, or more.