Credit Freeze
A free FCRA-backed restriction that prevents new accounts from being opened in your name without a temporary lift.
A credit freeze (also called security freeze) is a federally-mandated tool under FCRA §605A that lets consumers restrict access to their credit reports. While frozen, lenders cannot pull the consumer's report to open new credit. Free with all three bureaus since 2018.
Freezing is different from a "credit lock" — credit lock is a proprietary bureau service (sometimes paid, no FCRA backing). Credit freeze is the legally-protected option and is free.
Freezing doesn't affect existing accounts, doesn't lower credit scores, and can be lifted temporarily ("thawed") for an upcoming application.
Also called
Related terms
Unauthorized use of personal identifying information to open credit accounts or commit fraud.
FCRA §605B requires bureaus to block fraudulent identity-theft accounts within 4 business days of receiving the consumer's affidavit.
An FCRA-mandated flag on a consumer's credit file requiring identity verification before new credit is extended.
Run the Cougar Method on your credit file.
CreditCougar drafts FCRA-compliant dispute letters tuned to your specific situation. $29.95/mo. $1 7-day trial.
Start the hunt — $1 trial