A credit freeze, also known as a security freeze, is a free way to restrict access to your credit report. Adding a freeze means no one, not even you, can open a new credit account while the freeze is in place. You can, however, temporarily remove this freeze at any time if you want to apply for new credit.

It is important to note that a credit freeze does not affect your credit score. While the freeze is in place, you will still be able to apply for a job, rent an apartment, purchase insurance, and receive pre-screened offers.