Freezing Your Credit: A Smart First Step
A credit freeze is one of the most effective ways to stop identity thieves from opening new accounts in your name. Learn how it works and how to do it for free in minutes.
Get Protected NowWhat Is a Credit Freeze?
A credit freeze (also called a security freeze) restricts access to your credit report. That means lenders, credit card companies, or identity thieves can’t open new accounts in your name without your permission. It’s free, doesn’t affect your credit score, and can be lifted temporarily when needed.
Why Freezing Your Credit Works
🔒 Blocks New Account Fraud
Prevents credit checks, so scammers can’t open loans or credit cards using your identity.
💸 100% Free to Place & Lift
Thanks to U.S. law, freezes are now free with all three major credit bureaus.
⚖️ No Impact on Credit Score
Your score and existing credit accounts remain unaffected by a freeze.
How to Freeze Your Credit
Visit each credit bureau below to place a freeze on your credit. You’ll need to create a PIN or password to unfreeze it later.
Take Charge of Your Credit Security
A credit freeze is a smart foundation. For even stronger protection, consider a full identity monitoring service to detect threats beyond just credit.
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