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Lifting a Credit Freeze

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ScoreSizzle
Frequent Contributor

Lifting a Credit Freeze

I'm going for a mortgage loan here pretty soon and have had my credit frozen for about a year and half. 

 

Is there a certain amount of time I should unfreeze all three bureaus for the lender to run my credit? Is is same day type of speed or do I have to give it time? 

 

 

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4 REPLIES 4
Nayola
Contributor

Re: Lifting a Credit Freeze

I always unfreeze for at least a few days if I know I'm trying to secure any kind of credit.  You could possibly ask them which bureau they need you to unfreeze and when.

Message 2 of 5
Physh1
Frequent Contributor

Re: Lifting a Credit Freeze

Unfreezing has always worked instantly for me...meaning within an hour or so I've had zero issues. Same day should be fine but I'd do it a business day beforehand just to make sure you face no hiccups.

Message 3 of 5
ScoreSizzle
Frequent Contributor

Re: Lifting a Credit Freeze

Awesome, thank you! 


@Nayola wrote:

I always unfreeze for at least a few days if I know I'm trying to secure any kind of credit.  You could possibly ask them which bureau they need you to unfreeze and when.


 

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ScoreSizzle
Frequent Contributor

Re: Lifting a Credit Freeze


@Physh1 wrote:

Unfreezing has always worked instantly for me...meaning within an hour or so I've had zero issues. Same day should be fine but I'd do it a business day beforehand just to make sure you face no hiccups.


That's fast. 

 

Will do, thank you! 

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