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Ten Important Facts About Freezing Your Credit


Ask Carolyn Warren

After criminals hacked into Equifax’s credit system, people are asking if they should freeze their credit.

Here are ten facts to know about freezing credit:

  1. Freezing your credit will lock down and stop all new credit activity, so that no one can open a new account in your name or with your social security number.
  2. If you want to apply for credit, such as a mortgage or auto loan, you will need to contact the credit agencies with the personal identification number (PIN) they supplied you with.
  3. You must give them three days to unfreeze your credit.
  4. If you unfreeze your credit to apply for financing, you can then refreeze it afterward.
  5. A credit freeze does not prevent you from using your existing accounts.
  6. You can still dispute erroneous information in your credit file during a credit freeze.
  7. You can request your free annual credit report while your credit is…

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