Mission: make the credit industry better for everyone.

I’m probably not the right person to solve world hunger, fix the American health care system, or clean up our oceans or air. My background is in technology and business – building consumer credit products for PayPal and fixing the messy financing process for Tesla vehicles. Using my background in the credit industry, I believe the best way I can help others en masse is to create a way for Americans to easily freeze and unfreeze their credit files.


There are three US credit bureaus: Experian, TransUnion, and Equifax. The US government entrusts them with the credit records for all Americans. We don’t have any way to opt out of this – it is simply how the U.S. credit system works.

You may have heard of Equifax, because the company’s negligence led to a theft of 143 million credit records in 2017. As a result, a single record – possibly yours – can be bought illegally for a few bucks on the black market. An identity thief can use that credit record to open new credit cards, loans, or other accounts in your name.

Because of the severity of the Equifax breach, U.S. congress passed legislation that forced the three credit bureaus to let consumers place, remove, and temporarily lift a credit freeze for free. It used to cost $30 per freeze.

The Path Forward

If credit freezes are new to you, then your files are most likely unfrozen and vulnerable at each credit bureau. Without using Snowcap.Me to help, taking action at each bureau to freeze your credit and protect yourself is time-consuming and can be confusing. Likewise, unfreezing your credit so you can apply for a new credit card or mortgage can be just as tedious.

Freezing your credit defends against major identity theft by preventing thieves from opening new credit cards or other types of loans in your name. Even if you have bad credit, don’t you think it’s better for you to have total control over it?

That’s why I made Snowcap.Me. Let us help you freeze or unfreeze your credit, for free. You can support this mission by joining us, telling a friend about us, or shopping our offers.


Nicholas Quigley
Founder, Snowcap