How do I navigate credit protections with Viably?

Stay safe with credit protections while also helping your business access the credit or funding it needs.

Whether you’ve been facing the challenges of identity theft or simply being proactive about keeping your credit protected, your life and business don’t come to a stop. What happens when your business needs to apply for a new line of credit but you’re concerned about fraud? 

If you’ve placed a credit lock or credit freeze on your credit report you will have to temporarily unfreeze or “thaw” it before applying for a new loan or line of credit. Without access to your credit report lenders can’t see what your credit score or history is, making it impossible to determine whether or not you qualify for funding. 

How do you “thaw” your credit report? 

If you’ve placed a credit lock on your credit report, rather than a credit freeze, then you should easily be able to use your credit protection service’s website or mobile app to instantly unlock your report. Once lenders are done checking your credit report you will immediately be able to switch it back. 

On the other hand, credit freezes take a bit more effort to “thaw” and require you to directly contact the credit bureaus with whom you froze your credit report. This can be done over the phone or online. After contacting the credit bureau(s) about thawing your credit report, the FTC requires that they lift the freeze within an hour.

Experian: 1-800-493-1058


Equifax: 1-866-349-5191


TransUnion: 1-800-916-8800