![]() ![]() ![]() Existing creditors, debt collectors acting on their behalf, and government agencies in limited circumstances will have access to your report.īut placing a credit freeze on your account will not affect your credit score-nor will it keep you from getting your free annual credit report, or from buying your credit report or score.Ĭredit reporting agencies may not charge a fee to place or to temporarily or permanently lift a security freeze. If a creditor cannot see your file, then the creditor should not extend credit.Ī credit freeze does not prevent all third parties from seeing your report. This makes it more difficult for identity thieves to open new accounts in your name because most creditors will demand to see your credit report before they approve new credit. When a freeze is on your account, any unauthorized third party who attempts to look at your file will see a code or message indicating that your report is frozen. The alert also answers frequently asked questions about each.Īlso called a “security freeze,” a credit freeze is something you request from a credit reporting agency to restrict access to your credit report. This alert explains things you can do to protect yourself from identity theft: credit freeze fraud alert and credit monitoring. every two seconds.Īccording to the Federal Trade Commission, three of the top 15 metropolitan areas (per capita) for identity theft reports in 2017 are in Michigan-including the number one city: Ann Arbor. On average, there is one identity theft victim in the U.S. The number of data breaches and reported incidents of identity theft continues to set records nearly every year. ![]()
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