credit report unfreeze

[razzy116]

How long does it take for a credit report  to become unfrozen?

[CH-7-Mission-Accomplished]

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@razzy116 wrote:

How long does it take for a credit report  to become unfrozen?

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Mine have always been instant.   They say credit freezes can take a little time to show as thawed versus credit locks, but I have never had a delay.

[Fico82]

Pretty instantly . I still like to give it about 15 min before applying.  

[Physh1]

I'm going to disagree wildly withe the previous 2 replies. I've had issues applying within 48 hours of unfreezing. I tend to unfreeze for 5 days...apply on the 3rd. I've had multiple denails due to frozen reports within 48 hours of 'unfreezing'...most recently with Sync Paypal MC. While it may be instant for some I wouldn't assume that's the case.

[Ceewin]

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@razzy116 wrote:

How long does it take for a credit report  to become unfrozen?

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@razzy116 

I've always frozen/unfrozen my report(s) via each bureaus own website...not a third party site.  I don't even know if it can be done via a third pary site.  Anyways, after I receive a confirmation email that the requested action had been processed, I never had any problems.  So it could be instant or may take a few hours, but my advice is wait until you receive confirmation.

[Centurion_Dreamer]

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@Ceewin wrote:

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@razzy116 wrote:

How long does it take for a credit report  to become unfrozen?

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@razzy116 

I've always frozen/unfrozen my report(s) via each bureaus own website...not a third party site.  I don't even know if it can be done via a third pary site.  Anyways, after I receive a confirmation email that the requested action had been processed, I never had any problems.  So it could be instant or may take a few hours, but my advice is wait until you receive confirmation.

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I also don't think that it is possible with any third party site, but it would be interesting (especially for the smaller bureaus).

In my experience the unfreeze & lifting actions are being executed within ~5min.

[805orbust]

I unfreeze my reports on the individual sites literally minutes before applying and have never had a problem. I do the "temporary lift" and set it to automatically freeze within 24-48 hours. Never a single issue within 6 years.

[Credit4Growth]

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@805orbust wrote:

I unfreeze my reports on the individual sites literally minutes before applying and have never had a problem. I do the "temporary lift" and set it to automatically freeze within 24-48 hours. Never a single issue within 6 years.

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This is how I do it since learning 😳 about credit freeze and 🔐 lock.  I travel most days of the week during work..  It also has helped to keep me from applying so many times.  I keep the information needed to unfreeze each bureau at home, on paper.  It makes so that I have to spend time considering if a credit app is worth going back home and then removing the freeze.   Otherwise I probably would have an additional 6-7 credit cards plus a few more inquiries for mortgages or auto loan prequals.  SMH 🙃😁

[805orbust]

@Credit4Growth oh, you KNOW this! Definitely keeps the behavior in check... not to mention the Barbarians at the gate. 😆