Credit file freeze
Credit scores & reportsA block that stops new lenders from accessing your credit report.
Overview
Freezes are used to prevent fraud or unwanted credit applications.
You can lift the freeze when you need to apply for credit.
Why it matters
- It protects against identity theft.
- It can prevent unauthorised applications.
- It adds a layer of security to your credit file.
FAQs
Does a freeze affect my credit score?
No. It only controls access to your report.
Can I still check my own report?
Yes. You can still view your report with a freeze in place.
Related terms
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