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Unfreeze Your Credit

In today’s digital age, identity theft and data breaches are becoming increasingly common. One way to protect yourself from this type of fraud is to use a credit freeze. A credit freeze, also known as a security freeze, is a tool that allows you to restrict access to your credit report.

Melanie Laurent

What is a credit freeze?


A credit freeze, also known as a security freeze, is a useful tool to protect your credit report and personal information from identity theft. When you freeze your credit, no one, including you, can access your credit report without your permission. 

A Credit Freeze allows you to restrict access to your credit report. It is a great security measure Business owners should explore. This means that lenders and other entities that check credit reports won't be able to see your credit history, which can delay the process of getting access to working capital the business may need. 

 

Luckily, you can lift this credit freeze and have almost immediate access to your credit report. It helps to lift this before applying for financing, however, this can be done throughout the process. 

It can be frustrating at times keeping your information secure and then having to grant access. It is important to learn how to go about easily removing the freeze as well as replacing. Read on to learn how to remove your credit freeze with Experian. 

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Unfreeze your Credit with Experian

  1. Go to the Experian Website : EXPERIAN WEBSITE

Once you are at the website, click on: “Credit” tab. Then, select “Security Freeze” and click on “Remove or Lift a Freeze.” If you are not a member, you may have to create a free account.

  1. Provide Your Personal Information & Have it Ready

Next you may be prompted to provide your personal information, such as your name, address, SSN, or DOB. You will also need to provide your original PIN number that you received upon initially freezing your credit.

  1. Choose the Length of Time to Lift the Freeze

You may choose how long you want to lift the credit freeze. You can lift the freeze temporarily or for a specific requested amount of time. You may also choose to remove the freeze completely. 

If you are Lifting a Freeze for Business Financing purposes, like our list of financing opportunities here, it is advised to remove the freeze until Financing is complete. Depending on your specific opportunity, this can be as quickly as one day to as long as three weeks. It is advised to speak with your Financing Specialist for time specifics.

  1. Verify Your identity

Experian may ask you to verify your identity if you have not already done so. You may be asked a series of questions or additional documentation may be required to confirm your identity. 

  1. Confirm Your Request

After you are logged in and verified,  Experian will confirm your request to lift the credit freeze. Upon confirmation, you should receive a confirmation email explaining your credit will be unfrozen. At this time, it is advised to contact your Financing Specialist confirming your Credit Freeze Lift, so your file and application may continue progressing towards submission.

It is important that you continue to monitor your credit report closely and turn the freeze on after the required lift length time. For more information regarding how to unfreeze your credit report, check out this Experian blog.

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By submitting all the required information in one place, businesses can speed up the loan application process and receive a loan decision much faster so you can start to grow your business, more quickly.

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