In addition to leveraging identification documents, ID.me uses data gathered by Experian, a trusted credit bureau, to help verify your identity. This process does not affect your credit score. If you have frozen your credit, ID.me can’t verify your identity unless the freeze is lifted on a temporary basis. ID.me has implemented a feature that offers you a no-cost method to have your credit freeze on your Experian profile lifted on a temporary basis using a one-time PIN. Once the PIN is used, your credit profile is automatically returned to its secure, frozen state.
Note: If you know that you credit file is frozen, you can request the PIN before attempting verification to make the process smoother.
To get the PIN, visit https://www.experian.com/ncaconline/singleusepin.
From there, simply complete the form and check the box agreeing to Experian's terms and conditions and you'll be given a code to enter in the ID.me verification screen.
Some things to keep in mind:
- The single-use PIN screen in the ID.me window requires 15 characters. If the code you were given is shorter than 15 characters, simply add zero's to the front of the code such that the entire code equals 15 characters. For example, if your code is 123456789, you would add (6) zero's in front to make the code 15 characters (000000123456789).
- The PIN number is a "single-use" PIN. That means that once it has been used, it cannot be used again and you'll need to request another PIN from Experian.
- For your protection, your credit file will lock after 7 attempts. If you are unable to verify, even with the single-use PIN, we recommend you pull a copy of your credit report and use it as an answer key for the questions that are asked on the verification screen.