What is the definition of freezing your credit? No one can use your credit cards to make a purchase The credit reporting company will call the person trying to open the new account You can only use your credit cards if you notify one of the credit reporting agencies No one can open a credit card in your name

Freezing your credit is like putting a giant “Do Not Enter” sign on your credit report. It prevents lenders from accessing your credit file, which means they can’t approve new credit cards or loans in your name. This is especially useful if you suspect identity theft, as it keeps potential fraudsters from opening accounts in your name! To freeze your credit, you simply contact one of the three major credit reporting agencies: Experian, TransUnion, or Equifax. They usually let you do it online, over the phone, or by mail. Once your credit is frozen, you’ll be given a PIN or password that you'll need to lift the freeze in the future. Just remember to keep it secure; it's your emergency key!