Freeze Your Credit Report Free

Online on the phone in the mail u s.

Freeze your credit report free.

Unless you thaw your credit before you submit a loan application the lender cannot use your credit report or credit score to gauge your qualifications as a borrower. Freezing your credit report is an important step to take to protect yourself from identity theft with a frozen credit report credit bureaus won t provide information to companies that try to access your information to approve credit or loan applications. Prevent you from getting your free annual credit report. You must freeze your credit report at each credit bureau individually since there s no way to freeze all three credit reports at once.

A credit freeze does not affect your credit score. A credit freeze has no effect on your ability to qualify for loans or credit cards but a freeze can prevent a creditor s evaluation of your credit application. It s absolutely free to freeze and unfreeze your credit and it won t affect your credit score. A credit freeze also known as a security freeze is the best way to help prevent new accounts from being opened in your name.

But to open one you ll need to lift the freeze temporarily. It s free to lift the freeze and free to place it again when you re done accessing your credit. A credit freeze also does not. Keep you from opening a new account.