How a credit freeze differs from credit monitoring.
A security freeze restricts access to a credit file for many new-account decisions until the consumer lifts it.
Reviewed July 17, 2026 · 1 minute read
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A security freeze restricts access to a credit file for many new-account decisions until the consumer lifts it.
A credit freeze allows an individual to control how a consumer reporting agency is able to sell personal financial identity data. The credit freeze locks the data at the consumer reporting agency until the individual gives permission for the release of the data.
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