In just the last few years, Capital One, TJX Companies, Sears, The Home Deport, and Equifax have all been hacked, exposing credit records to bad actors. New credit cards, loans, or other lending accounts could be opened with that information, unless you freeze your credit. Freezing your credit is one of the best ways you can protect yourself from identity theft and fraud. No company currently provides a way for Americans to freeze & unfreeze their credit across all three major credit bureaus at once. This is what Snow-capped provides.

Project Activity

Update #3

Snow-Capped has been paused due to legal concerns. There is an existing US Patent #10,115,155 titled "Multi-bureau credit file freeze and unfreeze," which is held by some Experian (one of the credit bureaus) executives. After talking to many, many lawyers, I decided I don't want to be sued into oblivion and will not be pursuing Snow-Capped's "one-click" freeze/unfreeze at this time. I've sunset the site and want to thank all of my users and everyone at code for philly who helped me along the way. I am toying with the idea of creating a nice step-by-step freeze/unfreeze walkthrough, hosted at a new domain, Since it's just a walkthrough, the guide won't capture any user data or require an account. I'll be talking to people to determine whether this idea is worth building - let me know your opinion!

Update #2

Snow-Capped has it's first users, and as of last week they can login using Google. I figured Google does authentication and two-factor auth pretty well, so why reinvent the wheel? (Even if it's a pretty complicated wheel)

That A+ rating is just about impossible to maintain if your site uses any javascript.. so Snow-Capped is aiming for a B going forward, which is where Apple sets the bar, and is a better rating than Google, Microsoft, and even Vanguard.

I'm also happy to announce that I found a new partner in Kyle Rusak, who is a web dev expert.

Freeze your credit here:

Update #1 is live and the registration form is built, but I would like to test just one happy-path user signup before officially opening up to people. So don't sign up just yet, but stay tuned!

All of the personal data that people will register with and transmit to the site is extremely sensitive, so the site was built with security in mind. I'm happy to share that after lots of research and configuration, gets an A+ on Mozilla's Observatory security testing suite, which is a better grade that most Fortune 500 companies. See for yourself here: