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Credit Freeze
A tool that restricts access to your credit report to provide identity theft protection
A credit freeze, also known as a security freeze, is a tool that restricts access to your credit report, making it more difficult for identity thieves to open new accounts in your name. It is Credit freezes are free at all three major credit bureaus. When you initiate a freeze you'll receive a PIN to lift or reinstate the freeze. The freeze remains in place until you choose to lift it. A security freeze doesn't affect your credit score or existing accounts
When to Consider a Credit Freeze:
After experiencing identity theft
If your personal information was exposed in a data breach
As a proactive measure for enhanced security
Benefits and Limitations:
Provides strong protection against new account fraud
Doesn't prevent misuse of existing accounts
May cause delays when applying for new credit
Doesn't affect credit monitoring or annual free credit reports
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