I need to lift the security freeze for 24 hours to buy a car. How do I do that?
If your credit file is frozen and you need to apply for credit, you can lift the freeze at Experian's Freeze Center. Simply select "Remove or lift a security freeze" and follow the instructions.
Temporarily Lifting a Freeze
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.
Allowing Only One Lender Access to Your Frozen Report
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. Check with your lender in advance to make sure they have the ability to enter a single-use PIN when accessing your credit file. If they do, you can provide this PIN to the lender. This will allow only that particular lender to access your report a single time.
Permanently Removing Your Freeze
If you no longer wish to have a security freeze on your credit file, you can also request permanent removal online at Experian's Freeze Center. You may also request removal by phone or by mail.
If you submit your request in writing, be sure to include the following information:
- Full name
- Complete address
- Social security number
- Copy of a government issued identification card, such as a driver's license, state ID card, etc.
- Copy of a utility bill, bank or insurance statement, etc.
You can learn more about security freezes and freezing your credit file on our blog.
Thanks for asking,
Jennifer White, Consumer Education Specialist