Skip to main content

What is a credit freeze?

CreditWarren Team

Quick answer

A credit freeze (security freeze) restricts access to your credit reports, blocking new account openings until you lift the freeze. Free at all three bureaus by federal law since 2018; most effective identity-theft protection.

How a credit freeze works to block identity theft.
How a credit freeze works to block identity theft.

The information provided is for educational purposes only and should not be considered as personalized financial advice. Warren is a registered investment advisor. Past performance does not guarantee future results. Please consult with a qualified financial advisor before making investment decisions. Read our disclaimers.

All questions

Get an answer built on your own numbers

Warren reads your accounts, then answers questions like this one with your real income, taxes and goals in mind.