[Music]
welcome to the next episode of the dark
web deacon before we begin be sure to
smash that subscribe button click the
bell to turn on notifications and check
out the latest items in the dark web
deacon merch store there is a link in
the video description below and become a
true dark web enthusiast
new videos are published every monday
and thursday
so you want to unfreeze your credit file
but can't remember what to do next
you were smart enough to freeze your
credit file in the first place to
protect your identity and maybe even
watch my previous video on freezing your
credit file but now it's time to buy you
a new house or a car or open a new
credit card and you need to unfreeze it
well this short video is here to help
as a quick refresher freezing your
credit provides you with added security
by blocking all hard inquiries from new
creditors
the downside is that freezing your
credit will also prevent legitimate
authorized creditors from accessing your
report to assess your credit worthiness
when you apply for credit
unfreezing your credit file is also
sometimes called a thawing your credit
file and it can be done without leaving
yourself open to identity theft
also remember it's always totally free
to unfreeze your credit file
i will provide links to experians
equifaxes and transunions credit freeze
online dashboards in the video
description below
which will help you navigate through the
process
you can log into the same account you
use to freeze your credit to begin the
thawing process
if you do not freeze your credit through
their online portals previously i will
provide you with their phone numbers and
mailing addresses in the video
description below and you can use that
process to unfreeze your file
remember your pin number that was
created when you froze your file and
various other documents will be needed
to mail into the bureaus to verify your
identity if you decide to unfreeze
through the mailing and phone process as
opposed to the online portal
online unfreeze requests through their
portals will typically go in effect
within about an hour
unfreezing over the phone and mail can
take several days
note that if you aren't sure which
credit bureau your lender will use to
pull your report you'll need to thaw
your credit from all three be an
experian transunion and equifax
individually in order to fully unfreeze
your credit file
now there are three options for lifting
a credit freeze option one is temporary
lift the freeze
this option is if you still want the
protection of freeze provides but need
to give creditors a short-term access to
your file a temporary thaw would be a
smart move here
through the various online bureau
dashboards you can choose to lift the
security freeze for a day a week or
however long you think is necessary to
complete your credit application
the freeze will be restored
automatically at the end of the time
frame you select this option is
available for all three credit bureaus
option number two
is allow just one lender to access your
frozen report
this process allows you to provide a
creditor with a single use pin to access
your credit report
this option is available through
experian for sure
equifax and transunion i believe maybe
offer it but it's not as obvious
in the process you create a one-time pin
for your creditor navigate to the
security freeze center and select grant
a creditor one-time access to my credit
file then follow the instructions on the
screen to generate your one-time pin
and the final option is to permanently
unfreeze your report
this option permanently unfreezes your
report indefinitely and this option is
available for all three credit bureaus
thanks for watching and as always please
like subscribe
and provide comments and turn on
notifications by clicking the bell in
order to check out future videos
published twice a week