Mar
13
2014

How to temporarily lift a security freeze

Jagged Ice

 

Dear Experian,

I need to lift the security freeze for 24 hours to buy a car. How do I do that?

- PDT

 

Dear PDT,

If your credit file is frozen and you need to apply for credit, you can lift the freeze at Experian’s online consumer assistance center. Simply select “Security Freeze” and follow the instructions.

You can specify how long you want the freeze to be lifted – a day, week, or more. Temporarily lifting the freeze will allow you to apply with multiple lenders in order to get the best rate, as long as the applications are processed within the time frame you specified.

If you know for a fact that only one lender will be trying to access your report, you can choose to request a one-time-use PIN instead. You will then provide this PIN to the lender. This will allow only that particular lender to access your report a single time.

Thanks for asking.

The “Ask Experian” team

Our policies for Ask Experian:

The information contained in Ask Experian is for educational purposes only and is not legal advice. You should consult your own attorney or seek specific advice from a legal professional regarding your particular situation. Please understand that Experian policies change over time. Posts reflect Experian policy at the time of writing. While maintained for your information, archived posts may not reflect current Experian policy. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team will include it in a future post.