What does placing a security freeze mean?
A security freeze tells the consumer reporting agencies not 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 security freeze law, as do your current creditors. Placing a security freeze at all three major credit reporting agencies stops most persons from accessing your consumer reporting files. This prevents crooks from using your credit record to open false new accounts because most businesses will not open new accounts without first checking credit history. If your consumer reporting file is frozen, even someone who knows your name, date of birth and Social Security Number should be stopped from opening new accounts in your name.
