Lift an Experian Credit Freeze

Have a client applying for credit, a loan, insurance, employment or any other service requiring accessing
credit history, but placed a security freeze on his Experian file? Here’s how you can help.

Three ways to temporarily or permanently remove a credit freeze:

1 Unfreeze account: This will remove the freeze entirely from the consumer’s credit
report so that it may be accessed with the consumer’s permission. To do this, the
consumer will need to contact Experian online, by phone or mail and provide his
unique personal identification number (PIN) code—provided when the consumer
froze his account—to un-freeze the report.

2
Thaw account: A consumer may temporarily remove the freeze for a set timeframe
by contacting Experian online, by phone, or by mail. He will need his unique PIN code
to thaw the report.

3
One-time access: A consumer may provide a different/temporary PIN to a lender
to access the report just once. The PIN can be emailed to the consumer, presented
on screen if the consumer is online, or provided on the phone or by mail.

Contact Experian
To thaw or unfreeze a credit
report, consumers may visit
experian.com/freeze or call
1 888 EXPERIAN. They may also
submit a request to Experian by
mail or at experian.com/upload.
Please note, residents of
Washington, D.C., must submit
their request to permanently
remove a security freeze
in writing.
How soon may the report be Need to retrieve a PIN?
accessed? If the consumer forgot or
In most cases, the consumer’s misplaced his PIN, he may
request to thaw or un-freeze request it by going to
his credit file online or by experian.com/freeze or
phone happens within minutes. calling 1 888 EXPERIAN.
However, Experian recommends
consumers plan ahead and
request to unfreeze or thaw their
account at least 24 hours prior
to starting an application for
financial services.

Experian
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Costa Mesa, CA 92626 © 2018 Experian Information Solutions, Inc. • All rights reserved
T: 1 888 414 1120 Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information
www.experian.com Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners.