How to Unfreeze your Credit
When you apply for a new credit card or loan, your lender will check your credit files. Lenders can only perform a credit check when your credit files are thawed (or unfrozen), so you should thaw them before applying. To fully thaw your credit, make an unfreeze request with each of the three US Credit Bureaus. Snowcap.Me can guide you through every step.
For all bureaus, you should have an online account to log into, so the thaw request is quick and only takes a few clicks. Unfreezing by calling or mailing each bureau are separate, slower methods.
Experian Unfreeze guide
At Experian, you must log into your account to request an unfreeze. The company tries to upsell you to other consumer products, but make no mistake – freezing and thawing are always free. Experian may use your PIN as another factor to identify you in some cases.
Equifax Unfreeze Guide
At Equifax, you must log into your myEquifax account to request an unfreeze. The whole process can be completed in less than a minute if you know where to look. Your Equifax PIN is not needed to thaw your credit online through myEquifax.
TransUnion Unfreeze Guide
At TransUnion, you must log into your account to request an unfreeze. The whole process can be completed in less than a minute if you know where to look. Your TransUnion PIN is not needed to thaw your credit online through your account.