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A credit freeze prevents lenders from checking your credit file. Freezing your credit has no effect on your credit score. But this doesnt mean that a credit freeze blocks your score from regular changes. Its still important to monitor your credit use and make payments on time to keep your score from falling.
Place a fraud alert on your credit report. Close out accounts that have been tampered with or opened fraudulently. Report the identity theft to the Federal Trade Commission. File a report with your local police department.
The best way to remove (or thaw) a credit freeze, also known as a security freeze, is to use a digital tool―a website or smartphone app―because that typically yields instant results. Removing a freeze by phone or mail is equally effective but may take longer.
When the freeze is in place, you will still be able to do things like apply for a job, rent an apartment, or buy insurance without lifting or removing it. Duration: A credit freeze lasts until you remove it. How to place: Contact each of the three credit bureaus Equifax, Experian, and TransUnion.
With a security freeze, your credit reports cannot be accessed (with some exceptions) to open new credit unless you temporarily lift or permanently remove the credit freeze.
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When you place a security freeze, creditors cannot access your credit report. This will keep them from approving any new credit account in your name, whether it is fraudulent or legitimate.

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