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

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