If my credit is frozen, will I be able to check SoFi Home Loan rates? November 25, 2020 15:59 Updated If your credit is locked/frozen, SoFi recommends unlocking with all 3 reporting agencies; Equifax, Experian, and TransUnion. Related articles Freezing/Unfreezing Your SoFi Debit Card If I want to pay off my loan early or pay more than the minimum payment, does SoFi Home Loans charge a fee? I need to make changes to my home loan application and can’t. Can I close my home loan electronically or remotely? What are points and credits?