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You may have already heard about credit freeze but do you really understand what it is and what it means for you? Here are some questions you may be asking about credit freeze and the answers you need.

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.

We often read and hear warnings regarding credit fraud. This is because there is an alarming increase in the number of incidents and reports of people who got ripped off by scam artists and unscrupulous credit organizations. They do not just lose their identities but also their credibility as borrowers How come?