{"id":355826,"date":"2022-08-25T09:39:13","date_gmt":"2022-08-25T15:39:13","guid":{"rendered":"https:\/\/www.creditrepair.com\/blog\/?p=355826"},"modified":"2022-08-25T09:46:15","modified_gmt":"2022-08-25T15:46:15","slug":"credit-freeze-vs-credit-lock","status":"publish","type":"post","link":"https:\/\/www.creditrepair.com\/blog\/credit-report\/credit-freeze-vs-credit-lock\/","title":{"rendered":"What is the difference between a credit freeze and a credit lock?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/credit-freeze1.png\" alt=\"What is the difference between a credit freeze and a credit lock?\" class=\"wp-image-362671\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/credit-freeze1.png 1500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/credit-freeze1-300x100.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/credit-freeze1-600x200.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/credit-freeze1-768x256.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/credit-freeze1-450x150.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/credit-freeze1-900x300.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/credit-freeze1-1400x467.png 1400w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<p><a href=\"https:\/\/www.creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Disclosure regarding our editorial content standards.<\/a><\/p>\n\n\n\n<p>With more than <a href=\"https:\/\/iapp.org\/news\/a\/record-number-of-data-breaches-in-2021\/\" target=\"_blank\" rel=\"noreferrer noopener\">1,800 data breaches in 2021<\/a>, many people are wondering the differences between credit freezes and credit locks. Both tools protect you by preventing unauthorized access to your credit reports.<\/p>\n\n\n\n<p>The main difference is that a credit lock is a service offered by the three major credit bureaus, while a credit freeze is something you must request on your own. Keep reading to learn more about these important tools for credit management.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-credit-lock\">What is a credit lock?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"700\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-51.png\" alt=\"A credit lock is a service offered by the three major credit bureaus. It allows you to limit access to your credit report, preventing unauthorized individuals from opening credit accounts in your name\" class=\"wp-image-362673\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-51.png 1500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-51-300x140.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-51-600x280.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-51-768x358.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-51-450x210.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-51-900x420.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-51-1400x653.png 1400w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<p>A credit lock is a service offered by the <a href=\"https:\/\/www.creditrepair.com\/education\/scores\/what-are-the-three-credit-bureaus\" target=\"_blank\" rel=\"noreferrer noopener\">three major credit bureaus<\/a>. It allows you to limit access to your credit report, preventing unauthorized individuals from opening credit accounts in your name. Credit locks are typically bundled with other products, such as monthly credit monitoring or identity theft protection.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-do-credit-locks-work\">How do credit locks work?<\/h3>\n\n\n\n<p>A credit lock can stop scammers from stealing your identity and ruining your credit. Once the lock is in place, no one can access your credit reports without permission. Even if an identity thief manages to get your Social Security number and other personal information, they won\u2019t be able to complete any credit applications because lenders won\u2019t be able to access your reports.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-do-they-cost\">What do they cost?<\/h3>\n\n\n\n<p>The cost of a credit lock varies by bureau. At Experian\u00ae, a credit lock is included with Experian CreditWorks Premium\u2120, which <a href=\"https:\/\/www.experian.com\/consumer-products\/creditlock.html\" target=\"_blank\" rel=\"noreferrer noopener\">costs $24.99 per month<\/a> after a free seven-day trial. In addition to Experian CreditLock, a CreditWorks Premium membership comes with identity theft insurance, three-bureau credit monitoring and access to dedicated fraud resolution agents.<\/p>\n\n\n\n<p>Equifax\u00ae offers <a href=\"https:\/\/www.equifax.com\/personal\/products\/credit\/credit-lock-alert\/\" target=\"_blank\" rel=\"noreferrer noopener\">free credit locks<\/a> with its Lock &amp; Alert program. TransUnion\u00ae <a href=\"https:\/\/www.transunion.com\/product\/credit-lock\" target=\"_blank\" rel=\"noreferrer noopener\">charges $29.95 per month<\/a> for its TrueIdentity program, which includes Credit Lock Plus, a service that allows you to lock and unlock your TransUnion and Equifax credit reports.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-initiate-a-credit-lock\">How to initiate a credit lock<\/h3>\n\n\n\n<p>Follow these instructions to initiate a credit lock at the three major credit bureaus:<\/p>\n\n\n\n<ul><li><strong>Equifax:\u00a0<\/strong>Sign up at the <a href=\"https:\/\/lockandalert.equifax.com\/consumer-registration\/#\/personal-info\" target=\"_blank\" rel=\"noreferrer noopener\">Equifax website<\/a>. You\u2019ll need to provide your personal information and create an Equifax account if you don\u2019t already have one.<\/li><li><strong>Experian:\u00a0<\/strong>Visit the <a href=\"https:\/\/www.experian.com\/consumer-products\/creditlock.html\" target=\"_blank\" rel=\"noreferrer noopener\">credit lock page<\/a> on Experian\u2019s website. Click the &#8220;Lock Your Experian Credit File&#8221; button to register for a CreditWorks Premium account.<\/li><li><strong>TransUnion:\u00a0<\/strong>Open the <a href=\"https:\/\/www.transunion.com\/product\/credit-lock\" target=\"_blank\" rel=\"noreferrer noopener\">Credit Lock Plus page<\/a> on the TransUnion website. Click the &#8220;Protect Your Reports Now&#8221; button to register for an account.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-remove-a-credit-lock\">How to remove a credit lock<\/h3>\n\n\n\n<p>To remove a credit lock, you need to visit the bureau\u2019s website or download its mobile application. Equifax uses the Lock &amp; Alert app, which is available in the <a href=\"https:\/\/apps.apple.com\/us\/app\/lock-alert\/id1325259833?ls=1\" target=\"_blank\" rel=\"noreferrer noopener\">App Store<\/a> or on <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.equifax.android.lockandalert\" target=\"_blank\" rel=\"noreferrer noopener\">Google Play<\/a>. The Experian app is also available for <a href=\"https:\/\/apps.apple.com\/us\/app\/experian-credit-report\/id1087101090\" target=\"_blank\" rel=\"noreferrer noopener\">iPhone<\/a> and <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.experian.android\" target=\"_blank\" rel=\"noreferrer noopener\">Android devices<\/a>. For TransUnion, navigate to the <a href=\"https:\/\/www.transunion.com\/customer-support\/login\/2\" target=\"_blank\" rel=\"noreferrer noopener\">member login page<\/a> and click the &#8220;Login&#8221; button under the TrueIdentity heading.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pros-and-cons-of-credit-locks\">Pros and cons of credit locks<\/h3>\n\n\n\n<p>The reason credit locks aren\u2019t as secure as credit freezes are because you can unlock your reports at any time using a website or mobile application. This does have its benefits, such as when you want to apply for a home loan or finance a new vehicle. The downside is that if an identity thief can gain access to the website or app, it can allow them to unlock your account and access your credit reports.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-credit-freeze\">What is a credit freeze?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"700\" src=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-52.png\" alt=\"A credit freeze blocks access to your credit reports, preventing unscrupulous individuals from opening new lines of credit in your name. Unlike credit locks, credit freezes aren\u2019t bundled with other services. \" class=\"wp-image-362674\" srcset=\"https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-52.png 1500w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-52-300x140.png 300w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-52-600x280.png 600w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-52-768x358.png 768w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-52-450x210.png 450w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-52-900x420.png 900w, https:\/\/www.creditrepair.com\/blog\/wp-content\/uploads\/2022\/08\/CR-Blog-images-Template-not-social-52-1400x653.png 1400w\" sizes=\"(max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n\n\n\n<p>A credit freeze <a href=\"https:\/\/consumer.ftc.gov\/articles\/what-know-about-credit-freezes-fraud-alerts\" target=\"_blank\" rel=\"noreferrer noopener\">blocks access to your credit reports<\/a>, preventing unscrupulous individuals from opening new lines of credit in your name. Unlike credit locks, credit freezes aren\u2019t bundled with other services. You can freeze your credit without paying for a monthly membership or signing up for identity theft insurance, credit report monitoring or other products.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-do-credit-freezes-work\">How do credit freezes work?<\/h3>\n\n\n\n<p>Once you freeze your credit, only a limited number of organizations will be able to access your reports. This includes creditors on <a href=\"https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-does-it-mean-to-put-a-security-freeze-on-my-credit-report-en-1341\/\" target=\"_blank\" rel=\"noreferrer noopener\">accounts you\u2019ve already opened<\/a>, companies you authorized to monitor your credit and government agencies involved in collecting child support or enforcing other types of court orders. If you need to open a new credit account, you can unfreeze your reports as needed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-do-they-cost-1\">What do they cost?<\/h3>\n\n\n\n<p>In 2018, a new law went into effect requiring Equifax, Experian and TransUnion to offer <a href=\"https:\/\/www.ftc.gov\/business-guidance\/blog\/2018\/09\/new-freeze-law-effect-september-21st-your-business-ready\" target=\"_blank\" rel=\"noreferrer noopener\">no-cost credit freezes<\/a> to consumers. You can get a free credit freeze even if your identity hasn\u2019t been stolen, making it easier to protect your credit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-initiate-a-credit-freeze\">How to initiate a credit freeze<\/h3>\n\n\n\n<p>When you contact one of the three bureaus to request a credit freeze, you\u2019ll need to provide your name, date of birth and Social Security number. Here\u2019s <a href=\"https:\/\/www.creditrepair.com\/education\/counseling\/how-to-freeze-your-credit\" target=\"_blank\" rel=\"noreferrer noopener\">how to freeze your credit<\/a> with each of the three big bureaus:<\/p>\n\n\n\n<ul><li>Equifax: Request a security freeze on the <a href=\"https:\/\/www.equifax.com\/personal\/credit-report-services\/credit-freeze\/\" target=\"_blank\" rel=\"noreferrer noopener\">Equifax website<\/a> or call (800) 349-9960.<\/li><li>Experian: Request a credit freeze on the <a href=\"https:\/\/www.experian.com\/freeze\/center.html\" target=\"_blank\" rel=\"noreferrer noopener\">Experian website<\/a> or call (888) 397-3742.<\/li><li>TransUnion: Request a credit freeze on the <a href=\"https:\/\/www.transunion.com\/credit-freeze\" target=\"_blank\" rel=\"noreferrer noopener\">TransUnion website<\/a> or call (888) 909-8872.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-remove-a-credit-freeze\">How to remove a credit freeze<\/h3>\n\n\n\n<p>To remove a credit freeze, contact each bureau individually:<\/p>\n\n\n\n<ul><li><strong>Equifax:\u00a0<\/strong>Call Equifax Customer Care at (888) 298-0045 or visit the <a href=\"https:\/\/www.equifax.com\/personal\/credit-report-services\/credit-freeze\/\" target=\"_blank\" rel=\"noreferrer noopener\">Security Freeze section<\/a> on their website.<\/li><li><strong>Experian:\u00a0<\/strong>Call (888) 397-3742 or visit the <a href=\"https:\/\/www.experian.com\/freeze\/center.html\" target=\"_blank\" rel=\"noreferrer noopener\">Experian Security Freeze Center<\/a>.<\/li><li><strong>TransUnion:<\/strong> Visit the Credit Freeze page on the <a href=\"https:\/\/www.transunion.com\/credit-freeze\" target=\"_blank\" rel=\"noreferrer noopener\">TransUnion website<\/a> or\u00a0call (888) 909-8872<strong>.<\/strong><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-pros-and-cons-of-credit-freezes\">Pros and cons of credit freezes<\/h3>\n\n\n\n<p>The biggest advantage of a credit freeze is that it can protect your credit reports against unauthorized access. As a result, you\u2019re less likely to become a victim of identity theft. Another advantage is that you can unfreeze your credit when you need to apply for new accounts.<\/p>\n\n\n\n<p>The main drawback of a credit freeze is that some lenders can still access your credit reports. That means smart identity thieves may be able to open new accounts in your name even if you have a credit freeze in place.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-fraud-alert\">What is a fraud alert?<\/h2>\n\n\n\n<p>If you suspect fraud, you can place a fraud alert on your accounts with the three major credit bureaus. When a fraud alert is in place, every business <a href=\"https:\/\/consumer.ftc.gov\/articles\/what-know-about-credit-freezes-fraud-alerts\" target=\"_blank\" rel=\"noreferrer noopener\">must verify your identity<\/a> before opening a new account in your name.<\/p>\n\n\n\n<p>If someone attempts to open a store credit card or buy a vehicle with your personal information, they won\u2019t be able to complete the transaction. A typical fraud alert lasts for one year. If you\u2019re a victim of identity theft, you can get an extended <a href=\"https:\/\/www.creditrepair.com\/blog\/identity-theft\/fraud-alert-vs-credit-freeze-whats-the-difference\/\" target=\"_blank\" rel=\"noreferrer noopener\">fraud alert<\/a>, which lasts for seven years.\u00a0<\/p>\n\n\n\n<p>If you contact any one of the three major credit bureaus to place a fraud alert on your account, they\u2019re required by law to <a href=\"https:\/\/consumer.ftc.gov\/articles\/what-know-about-credit-freezes-fraud-alerts\" target=\"_blank\" rel=\"noreferrer noopener\">share this information<\/a> with the other two agencies so the alert is placed on all of them.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-why-would-you-want-to-use-a-fraud-alert-instead\">Why would you want to use a fraud alert instead?<\/h3>\n\n\n\n<p>A fraud alert is appropriate if you suspect fraud or know someone has stolen your identity. It requires businesses to take the extra step of verifying your identity any time someone applies for credit in your name, which may prevent unscrupulous individuals from racking up debt under your credit file.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-decide-if-you-need-to-freeze-or-lock-your-credit\">How to decide if you need to freeze or lock your credit<\/h2>\n\n\n\n<p>When deciding whether to freeze or lock your credit, think about your current financial situation. If you\u2019re just starting and may need to apply for several types of credit in a short period, a lock may be better because you can unlock your credit online or via a bureau\u2019s mobile application when needed. Freezing may be better if you\u2019re already established in your home and career and don\u2019t anticipate needing to open new credit accounts very often.&nbsp;<\/p>\n\n\n\n<p>Cost also plays a role in deciding whether to freeze or lock your credit reports. Although Equifax doesn\u2019t charge for its Lock &amp; Alert service, Experian and TransUnion charge between $24.99 and $29.99 per month for their memberships. If you don\u2019t want to pay a monthly fee, you may want to do a freeze instead.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-protect-your-credit\">Protect your credit<\/h2>\n\n\n\n<p>It\u2019s important to check your credit reports regularly and make note of any unusual entries. If someone has stolen your identity or you notice any inaccuracies, <a href=\"https:\/\/www.creditrepair.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">CreditRepair.com<\/a> can help you file <a href=\"https:\/\/www.creditrepair.com\/education\/reports\/how-to-dispute-a-credit-report#:~:text=To%20begin%20the%20process%2C%20you,written%20record%20of%20your%20request.\" target=\"_blank\" rel=\"noreferrer noopener\">disputes<\/a> with each of the three bureaus. You should also consider freezing or locking your credit to prevent unauthorized access to your credit reports.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><a href=\"http:\/\/creditrepair.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\">Note: <\/a>The information provided on <a href=\"http:\/\/CreditRepair.com\">CreditRepair.com<\/a> does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a credit freeze vs. a credit lock? Keep reading to find out how these tools can help you protect your credit file.<\/p>\n","protected":false},"author":75,"featured_media":362670,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[374],"tags":[466,39,54],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v17.5 (Yoast SEO v18.5.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is the difference between a credit freeze and a credit lock? | CreditRepair.com<\/title>\n<meta name=\"description\" content=\"What is a credit freeze vs. a credit lock? 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