Does a credit freeze affect my credit score?

No, a credit freeze (or unfreeze) does not affect your credit score in any way.

It also does not:

  • Prevent applying for a job, renting an apartment, or buying insurance.
  • Prevent an identity thief stealing and using your existing accounts.
  • Prevent you from getting your free annual credit report.

You should still monitor all financial statements for fraudulent transactions. Freezing your credit only protects you against the major identity theft of someone opening a new account in your name.

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