How Do I Freeze Or Unfreeze My Innovis Credit Report?

Yes, you can both place a security freeze on and lift it from your Innovis credit report, and you can do so at any time by contacting Innovis online, by phone, or by mail; the quickest method is the online portal at Innovis security freeze page, which typically processes a freeze or unfreeze within one to three business days,

while requests by phone (1‑800‑540‑2505) or mailed letter usually take three to five business days, and all requests are free of charge, though you must provide your full name, Social Security number, date of birth, and current address to verify identity.

Freezing your Innovis security freeze protects against unauthorized accounts, while you should avoid a freeze whenever a pending credit request needs an instant pull.

If you've just lost a wallet, been notified of a data breach, or aren't planning any new loans, a security freeze stops fraudsters from opening accounts in your name and usually costs nothing. It gives you peace of mind while you monitor your credit, and the freeze stays in place until you lift it, as described in the step‑by‑step guide later.

If you're applying for a mortgage, car loan, apartment lease, or an employer requires a credit check, a security freeze will block the inquiry and delay approval. In those cases, keep the report open, or use the temporary lift feature we cover in the next section on temporarily lifting your Innovis freeze for one creditor.

You need a government‑issued ID, your Social Security number, proof of residence, and a signed request to freeze your Innovis security freeze.

• A clear photocopy of a driver's license, state ID, or passport.
• Your full Social Security number (or the last four digits if you prefer partial disclosure).
• A recent utility bill, bank statement, or mortgage statement showing your current address.
• A handwritten or typed request that includes your name, date of birth, and signature; if you mail it, the form must be notarized.
• For minors, a parent or legal guardian's ID and a notarized power‑of‑attorney (see the 'freezing Innovis for minors' section).

Freezing or unfreezing your Innovis credit report costs nothing for most consumers, and the process typically finishes within a few business days.

• Fees: $0 for a security freeze and $0 to lift it for U.S. residents; a $5 fee may apply to out‑of‑state (non‑resident) requests.
• Initial freeze timing: 1 - 3 business days after Innovis receives a mailed request; online or phone requests usually complete the same day.
• Unfreeze timing: Immediate confirmation when done online or by phone; mailed requests take 1 - 3 business days after receipt.
• Expedited options: Use the online portal or call (844) 288‑5553 for same‑day processing.
• Reference: Innovis security freeze FAQ

You can place an Innovis security freeze entirely online in just a few minutes.

1. Visit the official Innovis freeze portal at Innovis security freeze online page.
2. Click 'Create Account' if you have never used the site; otherwise select 'Log In.'
3. Enter your full name, Social Security number, date of birth, and current address.
4. Answer the required identity‑verification questions or upload a scanned ID if prompted.
5. Choose 'Place a Security Freeze,' review the fee notice (free for most consumers, $3 for non‑exempt requests), and confirm the action.
6. Record the PIN and password that Innovis generates; you'll need them to lift or remove the freeze later.
7. Submit the request. Innovis typically processes the freeze within one business day, and you'll receive an email confirmation with your PIN and freeze details.

Proceed to the next section for phone or mail alternatives if you prefer them.

You can place an Innovis security freeze by calling the toll‑free line or sending a written request.

• Phone: Dial 1‑800‑540‑2505, Monday‑Friday, 8 a.m.‑8 p.m. ET. Have your full name, current address, Social Security number, and date of birth ready. The representative will verify your identity, record the freeze, and email or mail you a confirmation number within a few minutes.
• Mail: Write to Innovis Consumer Services, P.O. Box 26, Austin, TX 78767. Include:
  • Full legal name
  • Current residential address
  • Social Security number
  • Date of birth
  • Copy of a government‑issued photo ID (driver's license, passport)
  • Proof of address (utility bill, bank statement)
  • Signature and the phrase 'I request a security freeze on my Innovis credit file.'

  Send the package via certified mail; Innovis typically processes mailed freezes within 3‑5 business days and returns a confirmation letter.

After the freeze is placed, you'll receive a confirmation number to use for future lifts or removals, which you'll need in the sections on temporarily lifting or permanently removing the freeze.

A security freeze on your Innovis report blocks any new credit inquiry, so lenders cannot pull a copy until you temporarily lift the freeze. Existing account checks and government‑issued checks bypass the freeze, but new loan applications are halted.

Because of that block, a lender will ask you to provide the PIN or password you received when you created the freeze; once you grant a temporary lift, the pull completes in minutes to a few hours. The freeze never lowers your credit score, it simply adds a verification step before a loan can be processed. For official guidance, see the Innovis security freeze FAQ.

To temporarily lift your Innovis security freeze for a single creditor, go to the Innovis security freeze portal, select 'Temporarily lift freeze,' type the creditor's name, set the start and end dates, and confirm with your PIN or password. The lift activates within 24 hours and costs no fee.

If you prefer phone or mail, call 1‑800‑542‑6571 or send a written request that includes your PIN, the creditor's details, and the desired lift period; processing usually takes 2‑3 business days. Remember the earlier 'why you should freeze Innovis' discussion to decide when a temporary lift is appropriate, and check the next 'permanently remove your Innovis freeze' section if you eventually want to end the freeze altogether.

You permanently remove an Innovis security freeze by submitting a signed 'remove freeze' request with your PIN, either online, by phone, or by mail.

When you're ready, provide:

• your full name and address exactly as on the freeze file
• the nine‑digit PIN (or password) you received when you placed the freeze
• a clear statement that you want the freeze removed permanently
• if mailing, a notarized signature on the Innovis freeze removal form

Innovis will process the removal within five to seven business days, confirm it by email or mail, and the credit file will be fully accessible to any creditor.

If you need further help after removal, see the next section on 'If Innovis denies your request and next steps.'

Identity theft and collections damage an 850 by adding negative items that the FICO model weights heavily; stop the bleed by freezing or alerting your credit files, reporting fraud to the three bureaus, and aggressively disputing or negotiating every erroneous or unpaid collection.

For example, after a stolen wallet generates two fraudulent credit‑card accounts, place a credit freeze (how to freeze your credit), file an FTC Identity Theft Report, then send a dispute letter to each bureau citing the fraud report; once the accounts are removed, the score rebounds.

In another case, a 2019 medical collection sits on the report; request validation, and if the creditor cannot prove liability, have the entry deleted. If validation succeeds, negotiate a 'pay for delete' agreement, pay the balance, and follow up with a written confirmation; the collection disappears, restoring the path to 850.

If Innovis denies your security freeze request, start by reviewing the denial notice for the specific reason and gather any missing documentation that the agency cited. Typical reasons include incomplete ID verification or lacking a utility bill, so refer back to the 'what documents you'll need to freeze Innovis' section to ensure you have a government‑issued photo ID, Social Security number, and a recent utility statement.

Next, contact Innovis directly to correct the issue. Call 1‑800‑540‑2500 or mail the required documents to Innovis, P.O. Box 26, Austin, TX 78705, and ask for a written confirmation that the freeze will be processed once the paperwork is verified. Keep a copy of everything you send and note the date of contact; most corrections are handled within 10 business days.

If Innovis still refuses the freeze after you've provided the correct information, file a complaint with the Federal Trade Commission (FTC complaint portal) or the Consumer Financial Protection Bureau, and consider consulting a consumer‑rights attorney. These agencies can pressure Innovis to comply or identify whether a broader error exists in your credit file.