MONEYGlossary · Money · Building credit
Credit freeze
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A credit freeze stops anyone opening credit in your name, it’s free, and it doesn’t affect your score at all.
Worried about identity theft, or a family member using your name? Freeze your credit with each bureau.
From FILE 005: three more things that scare people.
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Sources
Official and government data first. Every quote is word for word; follow the link to check it yourself.
SOURCE 01Sep 05, 2025
Consumer Financial Protection Bureau · “What is a credit freeze or security freeze on my credit report?”
“Security freezes do not impact your credit scores in any way whatsoever.”
consumerfinance.gov (opens in a new tab)SOURCE 01Sep 05, 2025
Consumer Financial Protection Bureau · “What is a credit freeze or security freeze on my credit report?”
“Security freezes do not impact your credit scores in any way whatsoever.”
consumerfinance.gov (opens in a new tab)