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The Differences Between a Credit Freeze and Credit Lock, and How They Can Protect You from Identity Theft
From your full name, to your address, to your social security number - almost every detail about you is stored in a database somewhere. This information floats around in digital clouds and servers, always at the risk of being accessed by malicious hackers. Given the importance of keeping your personal information safe, you should know what your options are. In particular, this article will look at the differences between a credit freeze and a credit lock, and how they can help to keep your credit score safe from identity theft. Credit Freeze A credit freeze is a process whereby you restrict access to your credit report to prevent lenders from accessing your information. It is generally recommended that you initiate a credit freeze if you feel as though your credit report and personal data have been leaked. To reverse this process, a 10-digit pin is required (which will be provided to you when you first initiate the freeze). There is a one-time fee to freeze your credit and an