How to Unfreeze or Unblock Your Credit
How to Unfreeze Your Credit
If you want to apply for a HomeSale Loan, you'll need to remember to unfreeze, or thaw, your Experian credit report first. Similar to freezing your credit, you can do this online, by phone or by mail. You'll also be able to choose between a:
- Permanent thaw: Unfreeze the report indefinitely.
- Temporary thaw: Schedule when you want your report to be unfrozen and refrozen.
Unfreezing your report by phone or online might take a few minutes, although it often happens nearly instantaneously. Legally, the bureaus have up to an hour to lift a freeze.
Scheduling a temporary thaw could be the easiest option. You can schedule thaws for when you know you're going to apply for your new HomeSale Loan, and then have your report automatically refrozen the next day. If you are planning to apply with a co-borrower, they must also confirm their Experian credit report is thawed or unfrozen prior to applying.
Related Articles
Experian Rating Information
Overview HouseAmp's lending partners use the Experian VantageScore 4.0 model when evaluating financing applications. This article explains what that model is, how it differs from FICO, and what it means for your application. What Is VantageScore 4.0? ...What information do I need in order to apply?
During the application process, you will be asked to confirm the details of your personal and property information. Please have the following pieces of information handy: Address of property you are selling Social Security Numbers of primary ...Why You May Not Have Been Matched With a Lending Partner
At HouseAmp, our goal is to connect every homeowner with the right financing option for their unique situation. Sometimes, based on the information you provide during the pre-qualification process, our system may not find a match with one of our ...What Is the HomeSale Loan?
Overview The HomeSale Loan is HouseAmp's flagship pre-sale financing product. It provides homeowners with funding to complete strategic improvements before listing — with repayment deferred until closing. Key Features 💰 Financing up to $250,000 for ...