Security Freeze FAQs

• How much does it cost to place a security freeze?
• Does my spouse's file have to be frozen, too?
• Is a minor child eligible for a security freeze?
• How do I place a security freeze?
• Can I place a security freeze by phone?
• Can I open new credit accounts if my files are frozen?
• How long does it take for a security freeze to be in effect?
• How long does it take for a security freeze to be lifted?
• What is the difference between a "fraud alert" and a "freeze"?
• What will a creditor who requests my file see if it is frozen?
• Can a creditor get my credit score if my file is frozen?
• Can I order my own credit report if my file is frozen?
• Can anyone see my credit file if it is frozen?
• Do I have to freeze my file with all three consumer reporting agencies?
• Will a freeze lower my credit score?
• Does freezing my file mean that I won't receive pre-approved credit offers?
• Where do I find the forms and what do I do with them?