Common Questions
What is a Credit Freeze?
A credit freeze is much more effective in protecting your credit than a fraud alert because it completely blocks your credit report. It allows no one, not even you, to open a credit account in your name. It also denies lenders, insurers, and employers access to your file to complete background checks. However, like a fraud alert, lenders you currently have accounts with still have access to your credit report under a freeze and you can continue to use those accounts.
Lenders don't have a choice to ignore a credit freeze like they do a fraud alert. When a credit freeze is in place and a lender tries to view your reports as part of the application process, they will only get a code saying your report is frozen.
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