How To Check If Your Credit is Frozen?

A credit freeze prevents creditors, lenders, landlords, and other person or business from accessing your credit report so long as the credit freeze remains in place. If any party needs to check your credit, you must first remove the credit freeze to allow them to access your credit report. People often opt to add a freeze to their credit report to prevent unauthorized persons or business from accessing their credit report.

How to Check If Your Credit is Frozen?

You can check to see if your credit is frozen by signing up for an account at one of the major credit reporting bureaus and logging into your account to check to see whether your credit is frozen. Each one of the credit reporting bureaus offers you the ability to check whether your credit is frozen, as well as the ability to place a credit freeze or remove one.

To determine with your credit is frozen, you will have to check with each one of the three credit reporting bureaus. Lifting a credit freeze with one bureau will not lift a credit freeze at the other bureaus. Here is how to check if your credit is frozen with each one of Transunion, Experian, and Equifax.

Experian – Check if your credit is frozen with Experian

You can check to see if there is a credit freeze on your Experian credit report by heading over to the Experian Security Freeze Center. At the freeze center, you’ll be able to check whether your credit is frozen, add a credit freeze, or remove a credit freeze. If you want to know whether your credit is frozen, you should request your Experian pin, if your credit is frozen, a PIN will be provided to you to lift the freeze, however, if your credit is frozen, the system will return a no pin found notification.

Transunion – Check if your credit is frozen with Transunion

You can check to see if there is a credit freeze on your Transunion credit report by signing up for an account with Transunion. After signing up for an account, log in to your account using your username and password. After you’ve logged in, your account status, including whether your credit is frozen will appear at the top portion of the page. You will have the option to permanently remove your credit freeze or temporarily lift the freeze. If you don’t want to signup for an online account to view your account status, you can always call Transunion and inquire about the status of your account. However, the quickest way is to signup for an account and manage your credit online.

Equifax – Check if your credit is frozen with Equifax

You can to see if your credit is frozen with Equifax by signing up for an account with them and logging into your account. Once you’ve logged in to your account dashboard, your credit report status will appear at the top right portion of your account. If your account is frozen, you should be able to see the freeze on your account dashboard. You’ll have the ability to temporarily lift the freeze or remove it permanently. Also, if you do not want to sign up for an account, you can always check to see whether your credit is frozen by calling Equifax and inquiring about the status of your credit report.

How to Unfreeze Your Credit?

Every one of the major credit reporting bureaus provides you with the ability to unfreeze your credit report by signing up for an account and logging in online to do so. If you don’t want to sign up for an account and want to unfreeze your credit report, you can do so over the phone by calling them and asking them to unfreeze your credit. That said, signing up for an account makes the process much easier. Also, you can freeze and freeze your credit much quicker online as it only takes the click of a button to do so.

Should You Unfreeze Your Credit?

If you want to apply for a credit card, apply for a loan, open a utility account, purchase a cell phone under contact, or allow your landlord to perform a credit check, you must first unfreeze your credit. This is so because while your credit is frozen, no one will be able to access your credit report to assess your creditworthiness. Most lenders and creditors will not extend credit to you prior to gaining access to your credit report. So, if you want to open a credit card, finance a car, or take out a loan to purchase a home, you must first unfreeze your credit to do so.

On the other hand, if you know that you aren’t applying for a credit card or loan anytime soon, you can go ahead and leave your credit frozen. Freezing your credit offers some peace of mind because no one but you will be able to access your credit report.

How Long Should You Unfreeze Your Credit For?

If you’re applying for a credit card, you should lift the freeze for as long as it takes the card issuer or bank to make a decision on your credit card application. If the card issuer approves your credit card application, you’re safe to reinstate the freeze. However, if the card issuer needs time to make a decision on your application, you should keep your credit unfrozen until they make a decision.

If you are applying for a home loan, you should leave your credit unfrozen until after your closing date. This allows all of the involved parties to retain access to your credit until the transaction if finalized.

How Do You Reinstate a Credit Freeze?

If you placed a credit freeze using the online portals provided by each of the credit reporting bureaus, you can remove it by logging into your online account and adding a freeze. If you don’t want to sign up for an online account, you can always contact the credit reporting bureaus by phone and ask them to freeze your credit report for you.

Can You Get Approved For Credit with an Active Credit Freeze?

No, most lenders and creditors will not allow you to open credit cards or apply for loans while a credit freeze is in place. This is so because such parties require access to your credit file to assess your creditworthiness. While a credit freeze is in place, they will not be able to access your credit file. As such, most lenders will not approve you for any form of credit while your credit reports are frozen.

Why Do People Free Their Credit?

People often opt to freeze their credit for the following reasons:

  1. It prevents all persons and business from accessing your credit report
  2. It prevents all persons and businesses from opening new credit cards and loans
  3. It protects you from fraud
  4. It has no impact on your credit score
  5. It’s free to implement

Will a Credit Freeze Affect My Credit Score?

No, a credit freeze has no impact on your credit score. So, if you want to protect your credit file, you can do so without worrying about the credit freeze having an adverse effect on your credit score.

Credit Score Planet Frequently Asked Questions

1. How do I put a freeze on my credit?

You can place a freeze on your credit either online by signing up for an account with each of the three major credit reporting bureaus and using your online portal to freeze your credit. Also, you can freeze your credit by calling each one of the credit reporting bureaus and asking them to place a freeze on your credit.

2. Is freezing your credit a good idea?

If your person information, such as name, date of birth, and social security number have been stolen, it’s a good idea to freeze your credit to prevent unauthorized users from opening accounts using your information.

3. How long is a credit freeze good for?

A credit freeze is permanent and will not be removed unless you request its removal.

4. What does a credit freeze do?

A credit freeze prevents all parties from accessing your credit report.

5. How to know if my credit is frozen?

You can know whether your credit is frozen by contacting the credit reporting bureaus and asking them whether your credit is frozen. Also, you can check whether your credit is frozen via the credit reporting bureaus online portal at Transunion, Experian, and Equifax.