What does placing a credit freeze mean?
Placing a credit freeze means that you apply with all three national credit reporting agencies (see below), requesting that they apply a freeze to your credit. Once you do so, the credit reporting agencies are not permitted to give access to your consumer reporting file or your credit score unless you have authorized that access or the entity seeking to see your file has an exemption from the credit freeze law, as do your current creditors. When you want additional credit, you can open your file with a PIN or a password and the business extending the credit will decide whether to issue the credit.
