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Can Anyone See My Credit File if it is Frozen?


When you have a security freeze on your credit file, certain entities still have access to it. Your report can still be released to your existing creditors or to collection agencies acting on their behalf. They can use it to review or collect on your account. Other creditors may also use your information to make offers of credit-unless you opt out of receiving such offers. See below for how to opt out of pre-approved credit offers. Government agencies may also have access in response to a court or administrative order, a subpoena, or a search warrant or for purposes of collecting child support. A prospective landlord or employer also can access your credit file.

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