![]() TransUnion also has a premium product, called Credit Lock Plus, that allows you to lock your credit reports with both TransUnion and Equifax but it costs $19.95 a month. The program also gives you access to your TransUnion® credit report, free monitoring alerts and up to $25,000 in identity theft insurance. Like with Equifax, you can lock and unlock your credit quickly on a smartphone or computer. TransUnions credit lock program is called TrueIdentity, and its also free. How To Lock Your Credit Report At Transunion ![]() Protect yourself by lifting the credit report freeze for a limited time only. Leaving your credit report unfrozen for a long period will put it at risk of identity theft and credit fraud. Its best to choose a temporary lift freeze. So, the length of time you need to unfreeze your credit report will depend on the kind of loan youre applying for. In most cases, consumers request a freeze removal so that they can apply for new credit. You can remove the freeze on your credit report for as long as you need. Read Also: Does Speedy Cash Report To Credit Bureaus How Long Should Unfreeze Your Credit Report Locking and unlocking your reports, though, is a simpler process. You must pay to lock your reports with some bureaus. It may take more steps and time to unfreeze your reports. Prevents lenders and other financial institutions from accessing your credit reports unless you unfreeze them.Īlso prevents most lenders from accessing your credit reports until you unlock them.Ī credit freeze is always free. ![]()
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