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Temporarily lift credit freeze equifax4/23/2024 Requests by mail: Three business days after receiving the request for removal.Requests by toll-free telephone or secure electronic means: One hour after receiving the request for removal.The Economic Growth, Regulatory Relief, and Consumer Protection Act set an official timeline for when credit freezes need to be removed, after a consumer's request: We've tested this for all three credit bureaus and were able to apply for a credit card within the hour. Equifax: Call (800) 349-9960 or request a credit freeze online. When you unfreeze your credit, you typically have access to your credit report within an hour, but it may vary. If you don’t want to complete your credit freeze request over the phone, you have the option to request a freeze online. If you remove a freeze, reinstate it once the application process is complete. You also have the option to completely remove the freeze, which we don't recommend doing unless you don't have a finite timeline on when your credit will be pulled. There will be the option to temporarily lift a freeze for a set amount of time, which can be used if you need to apply for a credit card, mortgage, loan or other financial product. You can unfreeze your credit by going to the same credit bureau websites that you accessed to freeze your credit, or by calling the numbers listed above. Investing +More All Investing Best IRA Accounts Best Roth IRA Accounts Best Investing Apps Best Free Stock Trading Platforms Best Robo-Advisors Index Funds Mutual Funds ETFs Bonds Help for Low Credit Scores +More All Help for Low Credit Scores Best Credit Cards for Bad Credit Best Personal Loans for Bad Credit Best Debt Consolidation Loans for Bad Credit Personal Loans if You Don't Have Credit Best Credit Cards for Building Credit Personal Loans for 580 Credit Score Lower Personal Loans for 670 Credit Score or Lower Best Mortgages for Bad Credit Best Hardship Loans How to Boost Your Credit Score Taxes +More All Taxes Best Tax Software Best Tax Software for Small Businesses Tax Refunds Can permanently lift a freeze using the same methods as placing it. Small Business +More All Small Business Best Small Business Savings Accounts Best Small Business Checking Accounts Best Credit Cards for Small Business Best Small Business Loans Best Tax Software for Small Business Personal Finance +More All Personal Finance Best Budgeting Apps Best Expense Tracker Apps Best Money Transfer Apps Best Resale Apps and Sites Buy Now Pay Later (BNPL) Apps Best Debt Relief Best Mortgages for Average Credit Score. Best Loans to Refinance Credit Card Debt.
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