What Is a Credit Freeze?
A credit freeze, or security freeze, restricts access to your credit report so that most new lenders cannot check it. Because most lenders will not approve new accounts without checking credit, a freeze helps prevent identity thieves from opening accounts in your name. In the US, placing and lifting a freeze is free.
How It Works
A freeze is placed separately with each of the three major bureaus. It can be lifted temporarily when you apply for credit, and it does not affect your credit score or existing accounts.
Freeze vs. Lock
Credit locks are similar services offered by bureaus, sometimes as part of paid products; a freeze is the version protected by federal law.
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🔗 Related Terms
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Last updated: September 29, 2026. This definition is for general educational purposes only. It is not financial, investment, tax, legal, or medical advice, and it does not recommend any product or course of action. For decisions about your own situation, consult a qualified professional.