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
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