A man in a suit and tie uses his mobile phone and laptop in his office.

How to Unfreeze My Credit: A Guide

6 min read
Last Updated: January 9, 2026

Key Takeaways

  1. A credit freeze restricts who can access your credit report.
  2. You may need to unfreeze your credit to apply for new credit.
  3. It is free to freeze and unfreeze your credit report.

Did you know?

Next steps

You may also be interested in

Share article

Was this article helpful?

Glad you found this useful. Could you let us know what you found helpful?
Sorry this article didn't help you. Can you give us feedback why?

Was this article helpful?

Thank you for your feedback

You are now on a Capital One webpage. Please be sure to review Capital One’s Terms & Conditions and Privacy Notice.