Re: Just unfreeze my credit files...

USC · ‎05-02-2013

I just unfreeze my credit files on all 3 bureaus (Experian, Equifax & TransUnions) for 30 days to apply for new credit cards.

How long does it take for the credit bureaus to actually unfreeze my credit files? I don't want to apply too soon but at the same time, I don't want to wait too long either. The websites say anywhere from 3 to 15 days to unfreeze but anyone actually has an experience on waiting time?

Thank you in advance!

kmkotas · ‎05-02-2013

What do you mean by "freeze"?

1st Financial Bank USA Mastercard (2007) $1,900.00
Chase Sapphire Preferred (2008) $16,000
American Express Gold (April 2013) NPSL
Discover It (April 2013) $5,000
**Experian 765, Equifax 782, TU 787**

cottontop · ‎05-02-2013

In my experience, immediately. I can't recall which two bureaus, but I have twice unfrozen them while sitting at computer while on a recon call. They were able to access them as soon as I clicked unfreeze.

Chase Unlimited 53k, us bank reserve 14k, nfcu flagship 32k, nfcu 15k cloc, discover 23.9k, citi 29k, 27.5k, GM 7.5k, Venmo 20k, penfed 15k, apple 8.5k,
Biz. Ink 10k, 35k, 20k, 5k. Us bank 9k, GM 29k

enharu · ‎05-02-2013

Usually instantly

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

LS2982 · ‎05-02-2013

@USC wrote:
I just unfreeze my credit files on all 3 bureaus (Experian, Equifax & TransUnions) for 30 days to apply for new credit cards.

How long does it take for the credit bureaus to actually unfreeze my credit files? I don't want to apply too soon but at the same time, I don't want to wait too long either. The websites say anywhere from 3 to 15 days to unfreeze but anyone actually has an experience on waiting time?

Thank you in advance!

If you did it online its immediate, however I would give it until tommorow. Anytime i've ever lifted a freeze it was immediate.

EQ FICO 548 3/3/16

Just unfreeze my credit files...

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Just unfreeze my credit files...