Credit freeze vs lock: What’s the difference?

You may have heard about credit freezes and credit locks. But did you know there are differences between them? Both a credit lock and credit freeze block access to your credit report. They prevent anyone from opening a new account in your name, such as a credit card or loan. Freezing or locking your credit are some of the protection options TransUnion offers to help you manage your credit and safeguard your identity.

So how do you decide whether to freeze or lock? It really depends on your personal preference. Choose the right option for you by learning the differences between credit freeze vs lock:

Credit freeze basics

credit freeze, also known as a security freeze, is a free and easy way to help protect yourself from identity theft. You can place a freeze online through the TransUnion Service Center with no impact to your credit score. Once you place a freeze, you can unfreeze it at any time.


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