Last August (2018) I tried to lift the credit freezes in order to get approval for a new auto loan. Call TransUnion at 88 or send a written request that includes your name, address and Social Security number to: TransUnion. You’ll need to provide information verifying your identity and will have the option to receive a one-time PIN by text message or answer questions based on information in your Equifax credit report for identity. All you have to do is call 1- (888) 298-0045 to start the process. You can also remove a freeze by phone or mail. You can also freeze your credit with Equifax over the phone. To opt out of such pre-approved offers, visit . In the past when I had to apply for credit, I just contacted the credit reporting agencies and along with my PIN, was able to lift the credit freeze for the short time period needed to be approved for credit/loans. Visit the TransUnion Service Center to remove or temporarily lift your freeze online. Entities that may still have access to your Equifax credit report include: companies like Equifax Consumer Services LLC, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service companies that provide you with a copy of your credit report or credit score, upon your request federal, state and local government agencies and courts in certain circumstances companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe companies that authenticate a consumer's identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud and companies that wish to make pre-approved offers of credit or insurance to you. Youll need to provide documentation to verify their identity, your identity and your ability to act on their behalf. Send Equifax a freeze request form, along with copies of items that prove your identity. A security freeze is one tool you can use to restrict access to your minor dependents credit reports. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Call 88 to answer basic identity-verification questions and lift your credit freeze. Locking your Equifax credit report will prevent access to it by certain third parties. Credit Scores Understand credit scores, credit worthiness, and how credit scores are used in day-to-day life.
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