How to Unfreeze Your Credit with Experian

Need to apply for a loan, credit card, or background check but your Experian credit is frozen? Unfreezing (or “thawing”) your credit is easy if you follow the right steps. Here’s how to lift your Experian credit freeze, what you need, and tips for a smooth process.

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STEPS TO UNFREEZE YOUR CREDIT ONLINE

The quickest way is through your Experian account:

• 💻 Visit experian.com/freeze/center and log in to your Experian account
• Choose “Remove or lift a security freeze”
• Select whether you want to unfreeze temporarily (for a specific creditor or date range) or permanently
• Submit your request—changes are often effective immediately

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WHAT YOU’LL NEED

Gather these items before making your request:

• 🆔 Your Experian account login or your PIN/password if you placed the freeze by phone/mail
• 📄 Your full name, Social Security number, date of birth
• 🏠 Current address
• 📧 Access to your email for authentication

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UNFREEZING BY PHONE OR MAIL

If you prefer not to use the website:

• 📞 Call Experian at 1-888-397-3742, say “credit freeze” at the prompt, and follow instructions
• 📝 Mail your freeze lift request to Experian Security Freeze, P.O. Box 9554, Allen, TX 75013
– Include copies of documents verifying your identity and your freeze PIN

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TIPS FOR FAST PROCESSING

• ✔️ Online is fastest—phone and mail requests can take several days
• ⏰ Lift your freeze a day before you apply for new credit to ensure timely access
• 📲 Set reminders to re-freeze your credit if desired after your transaction

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WHEN TO ESCALATE

• If you have trouble accessing your account, use the “Need help signing in?” link on Experian’s freeze portal
• Call Experian support for further help with PIN issues or locked accounts

By following these steps, you can unfreeze your credit at Experian quickly—and get that new credit card or loan application moving.

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