This information is then used to generate your credit score, which is a number that lenders use to determine your creditworthiness. TransUnion is a consumer credit reporting agency that collects and maintains information on your personal credit history. After that, your credit will be unfrozen and financial institutions will again have access to your report. Once you’ve submitted your request, TransUnion will process it and send you confirmation within a few days. A temporary unfreeze will last for a specified period of time (usually 30 days), while a permanent unfreeze will remove the freeze indefinitely. Choose whether you want to unfreeze your credit temporarily or permanently. Enter the requested information, including your date of birth, Social Security number, and address.Ĥ. If you don’t have an account, you can create one for free.ģ. Here’s how to unfreeze your credit with TransUnion:ġ. Whatever the reason, unfreezing your credit is a relatively simple process. Or maybe you just want to make sure your information is accurate and up-to-date. But what if you need to unfreeze your credit? Maybe you’re applying for a new car loan or a mortgage, and you need financial institutions to be able to access your credit report. This is an important step to prevent thieves from opening new lines of credit in your name. If you’ve been the victim of identity theft, you may have taken the necessary steps to freeze your credit.
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