Credit Repair Secrets * Free Credit Repair * Credit Report Score * Credit Dispute Letter

When a credit report freeze is done, the file becomes inaccessible from all unauthorized views. All new inquiries will be blocked and only the owner of the report can request for the freeze to be lifted. Once it has been lifted, only the specified company will be able to access the report. Furthermore, the credit report score owner can decide how long the account can stay open to new inquiries.

Credit freeze is different from placing your credit report on fraud alert because a freeze completely blocks out all inquiries, even from the owner of the credit file. The process of placing your credit file on “freeze” is also more complex because it cannot be done over the telephone.