How to Unfreeze your Credit
When you apply for a new credit card or loan, your lender will check your creditworthiness. Your lender can only perform a credit check when your credit files are unfrozen, so you should unfreeze before you apply. To fully unfreeze your credit, make an unfreeze request with each of the three US Credit Bureaus. To get you there, Snowcap.Me can guide you through every step.
For Equifax and TransUnion, you have an account to log into, so the request is quick and only takes a few clicks. The Experian bureau takes a bit more effort, but your browser’s autocomplete feature can help speed things along. Unfreezing by calling or sending mail to each bureau are separate, slower methods not explicitly covered by Snowcap.Me.
At Experian, no account exists to log into, so you must again enter your name, social security number (SSN), address history, and other personal information. Answering multiple choice questions to verify your identity is a common extra step, and Experian does use your PIN as another factor to identify you.