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Freeze Your Credit

What Is a Security Freeze?

 

A “security freeze” blocks access to your credit unless you have given your permission. This can prevent an identity thief from opening a new account or getting credit in your name. All consumers can get a free security freeze online, by phone or by mail. A security freeze, also known as a credit or a file freeze, can be lifted (or "thawed") temporarily when you are applying for credit, or removed permanently.

Parents and guardians can also shield their children's credit report with a special Protected Consumer security freeze. These freezes can also be used to safeguard incapacitated adults.

 

 
How a Security Freeze Works

  • Once you've placed a security freeze on your credit, a creditor who asks to see your file will see a message that your file is frozen.  The creditor will not see your credit score, and may treat your application as incomplete but not rejected.
 
  • Government agencies collecting child support payments or taxes and your existing creditors or collection agencies acting on their behalf can continue to access your credit despite the freeze.
 
  • Other creditors may also use your information to offer you pre-approved credit.  You can stop most credit offers by calling (888) 5-OPT-OUT or visiting www.optoutprescreen.com