So your date to thaw them might be and the end date might be. As with the information above, I recommend you write out the dates when you want your freeze to be lifted or thawed and when you want them frozen again. Here’s what I experienced while thawing my files temporarily.
You should be able to accomplish all three in 15 to 20 minutes. It’s quite simple if you follow the tips above. You just have to pay attention and follow the prompts and you’ll get there. But I will encourage you to listen closely - don’t try to multitask - and press anything that talks about credit freezes or thaws or fraud alerts or security. We’re hesitant to tell you what numbers to press, 1 for this and 2 for that, because the bureaus periodically change their automated menus. It can be a pain to try to thaw your files if you can't find your PIN. If you freeze your file, make sure you keep your records of your PINs/passwords in a secure but handy place, like wherever you keep your Social Security card, passport, birth certificate, etc. If you get asked to enter payment information, you’ve traveled down a rabbit hole.ħ. You don’t need a credit or debit card to freeze or thaw your file. Don’t get talked into identity theft monitoring or any paid service. That’s unrealistic, though, considering about half the adult population has only a cell phone - no landline or VoIP line.Ħ. (At least one of the credit bureaus recommends you not use a cell phone. The computer often picks up background noise and proceeds as if you gave a wrong response. Don’t get confused or talked into a fraud alert or a lock. It's easy to get flustered when the computer voice prompts give you only a few seconds to enter your information.Ĥ. Honestly, consider writing down the numbers ahead of time to have everything in front of you. Don't make it something like your birth date or any part of your SSN or phone number or address. For now, TransUnion requires you to generate your own six-digit PIN. Have ready (writing everything down isn't a bad idea): You should be able to complete all three bureaus in 15 to 20 minutes if you don’t make mistakes or miss your prompts and need to start over.ģ. You need to focus and follow the prompts in a timely fashion.
Transunion freeze tv#
But you shouldn’t do it while you’re watching TV or cooking dinner. It’s not difficult to freeze or thaw your files. Here are some important tips:ġ, Don’t try to multi-task. You can do all of the tasks through the automated operator you don't need to talk to a live person. PIRG staffer’s step-by-step account of freezing her files online for the first time.īefore you embark on your freeze journey, you should make sure you are ready. You can do it by phone or online, whichever you’re more comfortable with.īelow are instructions for doing it by phone. You have two primary options for freezing your credit files with the three major credit bureaus.
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