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I had to as him to call the back office and verify which agency they were going to check before I lifted the freeze.Ĭredit card and insurance companies frequently re-pull their customer's credit reports throughout the year to re-evaluate terms. It turns out that they used transunion instead. This of course necessitated another credit inquiry (unfreeze), even though they had just checked 2 weeks ago.Īnother problem I encountered was that the insurance agent "assumed" that they use experian because that was the credit monitoring package that they sold. When I received the card and noticed the amount I had to call and request a credit increase. One problem I had was that the credit card company issued the card with a very low credit limit. I had an existing relationship with the credit card company, but not with the insurance company. I recently applied for a credit card and for insurance with a new company, they both wanted to check my credit and I had to unfreeze one of the agencies before they would proceed. In Oklahoma we have to pay $10 to freeze and $10 to unfreeze. of course, to unfreeze your credit info takes another $5. Jeff mc wrote:however, you can 'freeze' your credit info at all 3 sites, for $5 per site. and did you thaw just one of them or all 3 during mortgage shopping or whatever. Have you frozen your info? what have been the downsides? how quick have you been able to thaw them when needed. will my car or home insurance go up? will our credit scores plummet? will our available lines of credit get reduced at existing credit cards companies? do websites instantly check credit info before approving airline ticket purchases or other big ticket items? but what gives me pause are any unintended, unknown consequences. it only takes $30 (6 times 5) but also has the hassle of freezing (and eventually thawing them). of course, to unfreeze your credit info takes another $5.įor the foreseeable future, we don't plan on opening any new accounts, new car financing (we would pay cash most likey, anyway), cell phone plans, new mortgage/home, or any other need to keep our credit info open. However, you can 'freeze' your credit info at all 3 sites, for $5 per site. which i find annoying, but worth the hassle. all 3 credit agencies constantly try to upsell you into buying your credit score, credit protection, credit monitoring, etc. These free reports don't supply a credit score, but just all account info. so 6 times a year, every 2 months, i'll take a quick look. i review a report every 2 months (alternating between my report and wife's) to look for fraud / ID theft / wrong info. everyone gets a free credit report from the 3 credit reporting agencies annually. TransUnion's website doesn't specify it, but you may want to include with your letter photocopies of your driver's license and recent utility bills or bank statements in your name.We've never been victims of identify theft. Send a business letter (via certified mail, if possible) containing your name, address and Social Security number to:
#Transunion ze account how to
How to set up a TransUnion credit freeze by mail You'll also have to choose a PIN to unfreeze and freeze your credit. You'll be asked for your name, address, date of birth and Social Security number, and will have to answer identity-verification questions. To set up a TransUnion credit freeze by phone, call 88. How to set up a TransUnion credit freeze by telephone
#Transunion ze account password
Once that's done, you'll be asked to create a password for your account and a PIN to freeze and unfreeze your credit.
#Transunion ze account verification
Submit that information, and TransUnion will then ask you some verification questions, such as where you lived the past and which companies you've had accounts with.
#Transunion ze account full
Go to and click "Add a freeze." You'll then need to set up an account: Enter your full name, address, email address, phone number, date of birth and the last four digits of your Social Security number. (Image credit: TransUnion) How to set up a TransUnion credit freeze online
