Overview
When a credit report is frozen with a credit bureau, it cannot be accessed for applications requiring a credit inquiry. To obtain a three‑bureau credit report, borrowers must temporarily unfreeze all three bureaus (Equifax, Experian, and TransUnion) at the same time—if any bureau remains frozen, a complete three‑bureau report cannot be retrieved.
Freezing & Unfreezing Your Credit Profile
Unfreezing Your Equifax Credit Profile
Navigate to the Equifax Security Freeze and sign in or create an account.
Select Freeze from the left navigation menu.
Click Manage Freeze.
Select Temporarily Lift a security freeze or Permanently remove a security freeze.
Click Continue.
Click Remove Freeze to submit the request.
A confirmation will display that the freeze was successfully removed.
Freezing Your Equifax Credit Profile
Navigate to the Equifax Security Freeze and sign in or create an account.
Select Freeze from the left navigation menu.
Click Place a Freeze.
Click Place A Freeze to submit the request.
A confirmation will display that the freeze was successfully placed.
Requesting Changes by Phone or Mail
By Phone: 1-888-378-4329
By Mail: Equifax Information Services LLC
P.O. Box 105788
Atlanta, GA 30348-5788
Note: If contacting a bureau by mail, you should verify which forms, identification, or other documents are necessary to initiate or complete a credit report freeze or unfreeze.
Unfreezing Your Experian Credit Profile
Navigate to the Experian Credit Freeze and sign in or create an account.
Click the credit score to navigate to the Credit Overview page.
Scroll to the Quick action and select Lock or Freeze your Experian credit file.
Select Open from the list of options.
Click Continue.
Select Open Experian credit file, or Pick a date range to open it temporarily.
Click Apply.
A confirmation will display that your file is now open.
Freezing Your Experian Credit Profile
Navigate to the Experian Credit Freeze and sign in or create an account.
Click the credit score to navigate to the Credit Overview page.
Scroll to the Quick action and select Lock or Freeze your Experian credit file.
Select Frozen from the list of options.
Select Apply.
A confirmation will display that your file is now frozen.
Requesting Changes by Phone or Mail
By Phone: 1-888-397-3742
By Mail: Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
Note: If contacting a bureau by mail, you should verify which forms, identification, or other documents are necessary to initiate or complete a credit report freeze or unfreeze.
Unfreezing Your TransUnion Credit Profile
Navigate to the TransUnion Credit Freeze and sign in or create an account.
Select the Credit Freeze tile.
Click Remove Freeze.
Click Continue to remove credit freeze.
A notification will display that the freeze has been removed.
Freezing Your TransUnion Credit Profile
Navigate to the TransUnion Credit Freeze and sign in or create an account.
Select the Credit Freeze tile.
Click Add Freeze.
Click Continue to apply the credit freeze.
A notification will display that the freeze has been applied.
Requesting Changes by Phone or Mail
By Phone: 1-800-916-8800
By Mail: TransUnion
P.O. Box 160
Woodlyn, PA 19094
Note: If contacting a bureau by mail, you should verify which forms, identification, or other documents are necessary to initiate or complete a credit report freeze or unfreeze.