What is a credit freeze:

Consumers who are interested in protecting their credit history can opt to have their credit frozen. This means that a credit inquiry cannot be run unless the consumer temporarily lifts this frozen status. 

A credit freeze also allows an individual to control how a U.S. consumer reporting agency is able to sell his/her data.

What to do if a customer has frozen credit:

1. Prior to running credit, ask the customer if they have frozen credit.
2. If the answer is “YES”, the homeowner can request a temporary freeze removal from their credit reporting agencies by:
   1. TransUnion:
      1. On the TransUnion website (https://www.transunion.com/credit-freeze); or
      2. Over the phone with a TransUnion customer service representative at 800-916-8800.

After the freeze is lifted, your customer can apply for credit through the normal Sunlight credit application process.

For help re-applying after a credit freeze, click here for Sunlight Support information and hours.

Your customer has 48 hours to apply after the freeze is lifted.