A security freeze from TransUnion prevents anyone from accessing your credit report. Without that access, any application for credit will be rejected. This serves as greater protection than a fraud alert, which merely requires potential lenders to take extra precautions to verity your identity. If you're concerned about identity theft or fraud, the security freeze takes care of that risk. But you'll also need to take action if you later need to access the credit market.
Removing the Freeze
You can remove your TransUnion security freeze online, over the phone or by mail. The quickest way to lift it is online. Go to https://freeze.transunion.com, log in or register, and follow the prompts requested. To take care of this by phone, call 1-888-909-8872. You'll need to provide your Social Security number and security freeze PIN, as well as the start and end date of the freeze. Lifting it by mail requires you to complete the Lift section of the security freeze form that TransUnion sent after you requested the action, and mail it to the address listed there.
Check the Cost
If you want to remove the TransUnion Security Freeze permanently, you don't have to pay anything. Fees to lift the freeze temporarily -- if you want to apply for a mortgage loan but then want your account restricted again, for example -- vary by state. Some have laws that mandate reduced or free services. If not, the fee is generally $5 to $10.