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What's TransUnion Credit Freeze Unfreeze Phone Number?

Last updated 01/13/26 by
The Credit People
Fact checked by
Ashleigh S.
Quick Answer

Are you frustrated trying to find the exact TransUnion credit‑freeze phone number while a mortgage or rental deadline approaches?

You could attempt the call on your own, but a wrong digit or a scam could waste your precious time, so this article distills the process into clear, actionable steps to keep you on track.

For a guaranteed, stress‑free solution, call our experts - who bring more than 20 years of experience - to analyze your situation, manage the entire unfreeze, and ensure you stay moving forward without delay.

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Find TransUnion's freeze/unfreeze phone number

Call TransUnion's dedicated credit‑freeze line at 1‑800‑916‑8800. The toll‑free number connects you to the Credit Freeze Help Center, where agents can place, lift, or remove a freeze in real time.

  1. Dial 1‑800‑916‑8800 during business hours (Monday‑Friday 8 am‑9 pm EST, Saturday 8 am‑5 pm EST).
  2. When prompted, select the option for 'credit freeze or fraud alert.'
  3. Verify your identity with your Social Security number, date of birth, and current address.
  4. Provide your PIN or answer security questions to complete the freeze, lift, or removal request.

For an online alternative, visit the TransUnion Credit Freeze portal.

Verify the number before you call to avoid scams

Verify the number before you call to avoid scams. Go to the official TransUnion credit freeze page, locate the toll‑free number 888‑909‑8872, and match it exactly with what you see online or in your paperwork. If the number has extra digits, a different area code, or isn't listed on the TransUnion credit freeze phone number page, hang up and re‑search the correct contact.

When you should call instead of using online tools

Call TransUnion at 888‑909‑8872 whenever the online system can't meet your urgency or when a live representative is required.

  • Need to lift or remove a credit freeze today because a lender's deadline is imminent.
  • Forgot or locked your PIN and the online recovery page fails or returns an error.
  • You're calling from outside the United States and must complete identity verification with an agent.
  • The website displays an unexpected error, wrong PIN, or you suspect a phishing scam despite prior number verification.
  • You must authorize someone else to lift a freeze and want immediate confirmation of their authority.

What you must have ready before you call

You need your TransUnion PIN, Social Security number, and current address ready before you call.

  • TransUnion PIN (from your freeze confirmation letter or online account)
  • Social Security number and exact birth date for identity verification
  • Current residential address as on file with TransUnion
  • Freeze reference number and the date the freeze was placed
  • Government‑issued photo ID (driver's license or passport) in case the rep asks for it
  • Any power‑of‑attorney or court order if you're authorizing another person to lift the freeze
  • Pen and paper to record the call's confirmation number

Temporarily lift your freeze by phone fast

Call 1‑800‑TR‑LOCK (1‑800‑876‑5625) and follow the prompts to temporarily lift your TransUnion credit freeze. Have your PIN (or password), Social Security number, and birth date ready for verification.

  • Dial the toll‑free number and select the option for 'temporary lift'
  • Enter your personal information exactly as it appears on your freeze record
  • Specify the lift duration (usually 24 hours, 7 days, or a custom date range)
  • Confirm the request; you'll receive a confirmation code by phone or text

With the lift active, you can apply for credit, rent an apartment, or verify identity without fully removing the freeze. Proceed to the next section to learn how to permanently remove a freeze over the phone.

Permanently remove your freeze over the phone

Call TransUnion at 888‑909‑8872 and tell the representative you want to permanently remove your credit freeze. Have your Social Security number, date of birth, and the PIN you created when you froze your file ready; the agent will verify these details and then process the removal request. Once the verification succeeds, the agent will confirm that the freeze is being lifted forever and will note the request in their system.

The removal typically completes within 24 hours, after which you'll receive a written confirmation and can check your credit report for the updated status. Because procedures may change, consult the latest guidance on TransUnion's official site how to remove a credit freeze before you call.

Pro Tip

⚡ To quickly unfreeze your TransUnion credit freeze over the phone, dial 888-909-8872 with your 9-digit PIN, SSN, birthdate, address, and freeze reference number ready, as agents often grant a temporary lift even if you lost the PIN after verifying those details.

Authorize someone else to lift your freeze by phone

You can let another adult lift your TransUnion credit freeze by giving them a temporary PIN over the phone.

  1. Have your original PIN, Social Security number, birth date, and current address ready (see 'what you must have ready before you call').
  2. Call TransUnion at 888‑909‑8872 and verify your identity with the representative.
  3. State clearly that you want to authorize **[person's full name]** to lift the freeze on your behalf.
  4. Provide the authorized person's phone number and relationship to you; the agent will record this information.
  5. Request a temporary PIN for the authorized person, or confirm that they may use your existing PIN if you prefer.
  6. Write down the temporary PIN and give it to the authorized person, along with the dates you want the freeze lifted.

The authorized person can now call the same number, give the temporary PIN, and lift or temporarily lift your freeze without you being on the line.

Recover a lost freeze PIN by phone

Call TransUnion's freeze line at 888‑909‑8872 and tell the representative you have lost your credit‑freeze PIN.

The agent will pull up your file, verify your identity, and either read a new PIN over the phone or mail it to you.

Be ready with your Social Security number, date of birth, current address, and any previous freeze reference numbers; these details match the checklist in the 'what you must have ready before you call' section.

A mailed PIN arrives in 5‑10 business days, but the rep can grant a temporary lift immediately so you're not stuck while you wait. For official guidance, see the TransUnion credit‑freeze FAQ.

What to do if phone verification fails

If your phone verification with TransUnion fails, repeat the call and confirm the required details.

You can:

  • ask the representative to repeat the PIN request,
  • verify you are using the correct 10‑digit account number and Social Security number you provided when you froze the credit,
  • request a temporary lift using your birthdate and address if the PIN is unavailable,
  • ask for an alternative verification method such as a security question or mailed code.

If none of these tactics work, end the call, wait a few minutes, then call again or switch to the online portal; keep your freeze PIN handy for future calls and note the time of each attempt.

Red Flags to Watch For

🚩 Unfreezing your TransUnion credit logs a request that could show as a recent inquiry on SmartMove landlord reports, making you seem overly active to screeners. Review your report for inquiry visibility first.
🚩 Authorizing another adult with a temporary PIN might let them lift your freeze outside the dates you set if they push the agent. Restrict temp PIN use tightly.
🚩 SmartMove's 85-95% match rate could falsely flag you due to name misspellings or recent unlogged court filings landlords see as real risks. Verify your data matches exactly beforehand.
🚩 The hidden weighting in SmartMove's 0-100 risk score might auto-deny you for minor factors like small debts without explaining why. Demand score details from landlords.
🚩 Lost PIN recovery over the phone exposes your SSN and birth date repeatedly, which reps log and could feed into broader TransUnion data sales. Store PIN securely offline only.

Call TransUnion from outside the United States

Dial the U.S. consumer line with your country's exit code, then +1‑888‑909‑8872; the call connects to TransUnion's credit‑freeze team, but expect international rates because the toll‑free format may not work abroad. Verify this number in the 'verify the number before you call' section to avoid scams, and keep your PIN ready for the lift/remove a freeze request.

If the toll‑free line fails, use a standard U.S. number that accepts international calls, such as +1‑800‑919‑3839, via a VoIP service or calling card; this route usually bypasses toll‑free restrictions and still routes you to the same credit‑freeze representatives. The process and required PIN remain identical, so you can proceed directly to the next step - what you must have ready before you call.

Use TTY and other accessibility options when you call

TransUnion accepts TTY calls and a range of assisted‑telephone services so you can lift or remove a credit freeze without barriers. Dial 1‑800‑877‑8801 (TTY) or the standard 888‑909‑8872 line, then follow the same PIN verification steps outlined earlier.

For TTY, press * before the number, state your full name and PIN, and wait for the automated prompts to route you to a live agent. If you use a relay service, tell the operator you are calling TransUnion about a credit freeze; the operator will connect you to the same verification queue. Captioned Telephone Service (CTS) users can request the CTS line during the call and receive real‑time subtitles of the conversation.

Smartphone accessibility features such as VoiceOver or TalkBack work with the standard number; just speak your PIN when prompted. TransUnion contact options for accessibility

Key Takeaways

🗝️ Call 888-909-8872 to unfreeze your TransUnion credit freeze.
🗝️ Have your PIN, SSN, birth date, and address ready before you dial.
🗝️ Expect the agent to verify your details, then lift the freeze within about 24 hours.
🗝️ If you lost your PIN, the rep can issue a new one over the phone or mail it while granting a temporary lift.
🗝️ Once lifted, check your report for updates, or give The Credit People a call to help pull and analyze it plus discuss next steps.

You Deserve A Fast, Free Transunion Unfreeze Assistance Today

If you can't locate the TransUnion unfreeze phone number, we'll get you unstuck fast. Call free now - we'll pull your report, spot errors, and show how to dispute them.
Call 866-382-3410 For immediate help from an expert.
Check My Approval Rate See what's hurting my credit score.

 9 Experts Available Right Now

54 agents currently helping others with their credit

Our Live Experts Are Sleeping

Our agents will be back at 9 AM