Frozen credit should be “unfrozen” before you submit a loan application. This can be done easily online:

Experian: https://www.experian.com/freeze/center.html

Equifax: https://www.equifax.com/personal/credit-report-services/credit-freeze/

Transunion: https://www.transunion.com/credit-freeze

 

or by calling the three credit repositories here:

Experian: 888-397-3742

Equifax: 888-298-0045

Transunion: 888-909-8872