![]() ![]() Once the freeze is lifted, your credit will be back to normal and you’ll be able to apply for new lines of credit or loans. You’ll need to provide your personal information and identification. To unfreeze your credit, you will need to contact each of the three major credit bureaus individually and request that they lift the freeze. The process is actually quite simple and can be done online or over the phone. If your credit is frozen, you may be wondering how to unfreeze it. Second, you may still be vulnerable to certain types of fraud, such as existing account takeover or “change of address” fraud.įinally, a freeze will not prevent all types of identity theft – for example, thieves could still use your stolen information to apply for government benefits or file false tax returns. First, it can take time and effort to place a freeze and lift it when you need to apply for new credit. However, there are some disadvantages to freezing your credit. This can be an advantage if you are concerned about identity theft and want to prevent new accounts from being opened in your name.Ī credit freeze can also be helpful if you are trying to manage your debt by preventing new borrowing. When you freeze your credit, lenders cannot access your credit report to approve new loans or lines of credit. If you need to apply for new credit – for example, a loan or mortgage – you’ll need to temporarily lift the freeze beforehand. Once your credit is frozen, any businesses that try to pull your credit report will be unable to do so. ![]()
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