September 27, 2017
A security freeze means that your credit file cannot be shared with potential creditors. A security freeze can help prevent identity theft since most businesses will not open credit accounts without checking a consumer's credit history first.
A freeze is not 100% fail-safe as some creditors can and will issue credit without pulling a credit report. Firms with whom consumers have an existing business relationship will be able to pull a report despite the freeze and a consumer's information may be released for the purpose of pre-screening.