Contact each credit bureau separately: Equifax, Experian, and TransUnion
Log in to your online account with each bureau or create one if needed
Request a temporary lift or permanent removal of the security freeze
Provide your PIN, password, or identity verification details
Choose the specific dates or creditors if the bureau allows a temporary thaw
Confirm the freeze status has been changed
Save or print the confirmation for your records
Repeat the process with all three bureaus if you want full access to your credit reports
Contact the creditor or lender to retry the application after the freeze is lifted
Refreeze your credit after the application is complete if you want to keep it protected