Locking your credit files so no one can open new accounts in your name — free and reversible.
A credit freeze restricts access to your credit reports at the major bureaus, preventing fraudsters from opening new lines of credit with stolen identity data. It is free, does not affect your credit score, and can be temporarily lifted when you need it.
A freeze is a strong response if you have shared identity documents with a suspected scammer.
Frequently asked questions
Does freezing my credit hurt my score or cost money?
No. A credit freeze is free at all three major bureaus and has no effect on your credit score. You can lift it temporarily whenever you legitimately need new credit.