Frozen credit should be “unfrozen” before you submit a loan application. This can be done easily by calling the three credit repositories here:

Experian: 888-397-3742

Equifax: 888-298-0045

Transunion: 888-909-8872

Equifax also has an online system on their website at www.trustedid.com, as does Transunion at freeze.transunion.com.