<prompt> Human: I recently learned about a program that offers 0 APR for a new Microsoft Surface or Surface Book. Ive been in the market for a new laptop and I was saving up the cash for it, but 0 APR is basically the same as cash, and if I qualify for the offer Im going to jump on it.The complication: I was a victim of identity theft and my credit is as frozen as Antartica. So if I applied for anything Id most certainly get immediately denied.I contacted the company offering the 0 financing Klarna via email, and asked how they would need me to proceed. I got a phone call back the same day from a CSR who told me they deal exclusively with Experion, and that Id need to unfreeze my credit about a week ahead of time before applying just to be on the safe side.A simple online form and a 3 fee to unlock my credit for a week and a half later, and Im good to go.Dont be afraid to contact a credit company ahead of time. They want your business, and theyll be happy to let you know their process for checking credit. There are websites out there that sometimes list which credit bureau a certain company uses for a specific state, but you can always just... ask. Its frustrating for them to have a hard credit pull bounce because its locked, too, and as the CSR explained, it can make things a lot more complicated if you attempt to apply before unlocking the security freeze.  <response>: I agree with you: I didnt get approved for a card and when I called the bank, they were able to find in the system that their online system autorejected me because I had another profile in the system from a long time ago that wasnt closed out properly. They let me know that if I go into a branch, theyll be able to auto approve me there. If I hadnt called in, I would have never known. 