Скачать или смотреть What is a Credit Freeze?

A credit freeze allows you to restrict access to your credit report.
There are three main credit bureaus that report your credit history, which lenders use to help decide whether to extend debt. By freezing it at each credit bureau, you can help prevent people from opening a new credit account in your name.

For example:
If a thief was attempting to open a credit card account in your name and your credit was frozen, when the credit card company attempts to look at your credit history, they will see they don’t have access, which should stop the account from being opened.

How long will my credit stay frozen?
Once you freeze your credit, it remains in place until you remove or temporarily lift it. A credit freeze does not affect your credit score and you can unfreeze or lift the credit freeze when you need to apply for credit.

What is the purpose of freezing your credit?
Freezing your credit prevents prospective creditors from accessing your credit file. Creditors typically won't offer you credit if they can't access your credit reporting file, so a security freeze, also called a credit freeze, prevents you or others from opening accounts in your name.

What is the downside of freezing your credit?
A freeze can give you a false sense of security — you may still be susceptible to credit fraud or other fraud involving your Social Security number. A credit freeze won't affect your current accounts, but if a thief steals the information on an existing account, your credit may be used without your permission.

Is it a good idea to put a freeze on your credit?
A credit freeze is a great choice to help protect yourself from identity thieves because it is guaranteed by law. A credit lock also restricts access to your credit report but isn't regulated and may require a fee. It's a simple process.

Does freezing your credit hurt your credit score?
No, freezing a credit card doesn't hurt your credit. As long as you keep your account in good standing. While a credit freeze won't affect your credit score in any way, it will impact your ability to qualify for a loan or credit card


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