Unfreezing your credit with Equifax allows lenders to access your credit report when you apply for loans, credit cards, or services. To do this, you must log in to your Equifax account online, use the Equifax mobile app, or call their automated system. You will need your PIN or password created during the freeze setup. You can choose to temporarily lift the freeze for a specific time or permanently remove it. Unfreezing is usually free and takes effect quickly, often within minutes online. Always refreeze your credit afterward to protect against identity theft and unauthorized credit applications.