The need for a PIN to unfreeze your credit depends on the specific credit bureau.īoth Equifax and TransUnion let you unfreeze your credit online without your PIN by entering your account username and password on their websites. When Is a PIN Necessary to Unfreeze Your Credit?
Once you’re all set after your move, be sure to reinstate your credit freeze. Permanent lifts, with no specified end date, are best when you know your credit report will be checked by multiple entities, such as landlords and utility companies when you relocate. With temporary freezes, credit bureaus will automatically put a freeze back on your credit report after the designated time is up. This option is best if you’re applying for an auto loan, mortgage or credit card, as it provides enough time for banks and lenders to review your credit. A temporary lift can last between one and 30 days. There are two types of credit freeze lifts: Whether you want to unfreeze your credit temporarily or permanently, there are ways to thaw your credit and allow banks and lenders to access your credit history. If you’re looking to unfreeze your credit but lost your PIN, don’t fret: TransUnion, Experian, and Equifax still make it possible to unfreeze your credit. But if you aren’t careful, you could forget the main tool needed to unfreeze it: your PIN. Freezing your credit is a smart idea that helps prevent identity theft.
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