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As cases of identity theft continue to increase, the US government is encouraging consumers to put up a good fight. In November 2007, credit report score freeze was introduced as a way to stop identity thieves from committing fraud against people.

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.