![]() ![]() You are not obliged to do it, but that would definitely be the safest course of action. Note, however, that if you wish to block all access to your credit history, you should request a freeze with each credit reporting agency separately. You don’t need to pay to freeze your credit since the service is free, and so is unfreezing it, thanks to the fact that federal laws require each credit bureau to offer these services free of charge. ![]() Requesting a freeze with any of the national credit bureaus would block access to your credit file and prevent credit checks that are usually performed when you apply for a new credit card or a loan. You can look at a credit freeze as a tool that helps you prevent any suspicious parties from hijacking your credit history or opening any new accounts for fraudulent purposes. lock? How To Freeze Your Creditīefore we get down to the difference between a credit lock and a credit freeze, let’s tackle a more basic question first: What is a credit freeze? But what exactly is the difference between credit freeze vs. Looking for an easy way to reduce the risk of identity theft or other fraudulent activity on your credit file? Maybe you should consider freezing your credit or locking it. ![]()
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