Security Freeze

How Long it Takes to Thaw Frozen Credit

Dear Experian,

If I have thawed my credit, how long before I can apply for credit and it will be accessible?


Dear SME,

Experian offers the convenience of thawing a frozen credit file online, by telephone or by mail. In most cases, if you request the thaw online or by telephone, the credit file can be unfrozen within a matter of minutes, although you should allow up to an hour.

If your request to thaw your report is sent by mail, we recommend you allow up to three days for your credit history to be thawed once Experian receives your request.

For more information on file freezing, visit Experian's Security Freeze pages on its Web site.

Equifax and Trans Union, the other national credit reporting companies, may have different processes and policies than Experian for requesting your credit file be unfrozen. Please contact them for details on how to unfreeze the credit histories they maintain.

Thanks for asking.
The "Ask Experian" team