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 all bureaus, you should have an online account to log into, so the unfreeze request is quick and only takes a few clicks. Unfreezing by calling or mailing each bureau are separate, slower methods not covered or recommended by Snowcap.Me.

Experian Credit Bureau Logo
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 – freeze and unfreezing is always free. Experian may use your PIN as another factor to identify you in some cases.

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.