The message "Your Credit Report is Frozen" will appear if a freeze has been placed on your credit report.
Before you continue to use Zip, you would need to remove the freeze on your credit report for the duration of the time you wish to use Zip. This will not impact your credit score. For new Zip customers, failure to unfreeze your credit report within ten days of receiving this message in your Zip app will result in no further consideration being given to your application. Existing Zip customers will have account access restored once the credit report is unfrozen.
To unfreeze your credit report, please reach out to Experian directly via their online form or call 888-EXPERIAN (888-397-3742). Upon unfreezing your credit report, Experian will inform Zip, and access to your account will be restored.
Once unfreezing your credit report, please wait 24-48 hours before using your Zip account so this information from Experian can process in our system.