Experian
- Contact Experian by Phone: 888-397-3742
- PIN (or) Security Questions
HOW TO UNFREEZE YOUR CREDIT At Dorian Ford Clinton Township, MI
Dorian Ford has provided you simple and easy instructions to lift the security freeze on your credit. Follow the steps below to unfreeze your credit so you can start shopping for your next new vehicle and apply for credit today!
Transunion
- Contact Transunion by Phone: 888-909-8872
- Account is Required
Equifax
- Contact Equifax by Phone: 800-349-9960
- No PIN or Security Question Required (if myEquifax account is active)
How Does Unfreezing My Credit Work?
When you freeze your credit with the three main credit reporting agencies (Equifax, Experian, and TransUnion), you are essentially placing a block on your credit report. This block prevents new creditors or lenders from accessing your credit report and issuing credit or loans in your name.
Unfreezing your credit is a little more involved. You will need to contact each of the three credit reporting agencies individually and follow their specific procedures for lifting the credit freeze.
The “unfreezing” process typically involves the following steps:
1. Contact the Credit Reporting Agency
You can usually do this online or by phone. You will need to provide your personal information, such as your name, address, and Social Security number, to verify your identity.
2. Request To Unfreeze Your Credit
You may need to provide additional information, such as a PIN or password that you established when you froze your credit.Wait for confirmation. The credit reporting agency will usually confirm your request to unfreeze your credit within a few minutes, although it may take up to an hour or two in some cases.
3. Verify That Your Credit Is Unfrozen
After you receive confirmation from the credit reporting agency, you can check with the creditor or lender that you are working with to make sure that they are able to access your credit report.
Important Note: unfreezing your credit only temporarily lifts the block on your credit report.
If you want to re-establish a freeze on your credit, you will need to contact each credit reporting agency again and follow their specific procedures for placing a new freeze.
