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 unfrozen, so you should unfreeze before applying. To fully unfreeze your credit, make an unfreeze request with each of the three US Credit Bureaus. Snowcap.Me can guide you through every step.

For Equifax and TransUnion, you should have an online account to log into, so the unfreeze request is quick and only takes a few clicks. The Experian bureau takes a bit more effort, but your browser’s autofill may help speed things along. Unfreezing by calling or mailing each bureau are separate, slower methods not explicitly covered or recommended by Snowcap.Me.

Experian Credit Bureau Logo
Experian Unfreeze guide

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.

Equifax Credit Bureau Logo
Equifax Unfreeze Guide

At Equifax, you must log into your myEquifax account to request an unfreeze. The whole process can be completed in a less than a minute if you know where to look. Your Equifax PIN is not needed to unfreeze your credit online through myEquifax.

TransUnion Credit Bureau Logo
TransUnion Unfreeze Guide

At TransUnion, you must log into your account to request an unfreeze. The whole process can be completed in a less than a minute if you know where to look. Your TransUnion PIN is not needed to unfreeze your credit online through your account.