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Everything You Need to Know About a Credit Freeze

A credit freeze locks down your credit report so lenders can’t see your scores, making your credit/SSN useless to them because they don’t know their risk level.  If thieves get ahold of your ID, they can’t get credit in your name as long as your credit is frozen. Freezing your credit will seal your credit reports. You’ll need a PIN to access your credit to allow valid services to check your credit when needed. Freezing won’t affect existing credit lines and are free to victims of ID theft. Since 2008, the three big credit bureaus have allowed non-victims to freeze their…

Source: Technology – The Huffington Post

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