![]() In many cases, you’ll have to pay to put a freeze on your files if you are not a victim of identity theft, although some states exempt people over a certain age. ![]() ![]() And a freeze has no effect on your credit score. However, a freeze will not prevent collection agencies or creditors you already have from seeing your credit information.Ī credit freeze does not affect your ability to use the credit accounts you already have. That means if scammers try to misuse your personal data to open a fraudulent credit account, they are unlikely to be approved. No one else will be able to check your credit until and unless you lift the freeze. Here’s how to do an Equifax credit freeze:Ī credit freeze makes your credit report off-limits to anyone who does not already have access to it. You’ll have to freeze your credit with each of the three major credit bureaus: Equifax, Experian and TransUnion. NerdWallet recommends a freeze unless you intend to use your credit in the near future, such as opening a new credit account or applying for a lease or job. In that case, a fraud alert might be more appropriate. Credit monitoring, another service the credit bureaus offer, can tell you when someone uses your data to apply for credit, but it won’t typically prevent it. If you’re looking to keep your credit data from being accessed, the best way to protect it is a credit freeze, also known as a security freeze. The offer had been set to expire on Wednesday. Equifax made freezes free late last year in the wake of a data breach that compromised personal data on about 145 million U.S. Equifax has extended its offer of free credit freezes through June 30.
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