Credit Q&A

Answers to our most common credit and financial questions

How does a security freeze affect my credit report?

A credit, or a security freeze, prevents a credit reporting company from releasing your credit report without your consent.

Typically, a credit freeze is used to protect your credit file from fraud. Once a freeze goes into effect, no one can open new lines of credit in your name. In turn, this may also make it difficult for you to check your own credit report and apply for a loan.

If you would like to add or remove a credit freeze, you will need to contact the bureaus.

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