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My credit is frozen. Do I have to unfreeze my credit to get a credit report?
December 6th, 2011 - Posted by Tasha
Q: My credit is frozen. Do I have to unfreeze my credit to get a credit report?
You can still get your credit reports when your credit is frozen
A: No, you do not have to unfreeze your credit to obtain your credit report. Credit freezes prohibit third parties—like potential lenders—from being able to access your report, and are typically set to help prevent identity thieves from being able to open new credit accounts in your name. However, you are still able to access your own credit report. Here's a quote directly from the Federal Trade Commission (FTC) site:
"Placing a credit freeze does not affect your credit score—nor does it keep you from getting your free annual credit report, or from buying your credit report or score."
If you have been a victim of identity theft (or even if you haven't), you might want to consider signing up for an identity theft protection service. Many of these services will monitor your credit reports, scan for the use of your personal information in a variety of arenas, provide free credit scores and free subscriptions to internet security software. They are also able to monitor your credit reports while a credit freeze is in place. Our top pick is Identity Guard, and right now they are offering a free 30-day trial and an 18% subscription discount.
6 Responses to “My credit is frozen. Do I have to unfreeze my credit to get a credit report?”
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December 19th, 2011 at 6:22 pm
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