What is a credit report freeze?

A credit report freeze is a way to protect your credit report from unauthorized access. It can prevent potential creditors from viewing your personal credit information and credit score. When a credit report freeze is in place, anyone trying to check your credit report is blocked from viewing it. When you initiate a credit freeze, you are given a unique pin number to use if you ever need to lift or remove the freeze. A credit report freeze can also be used to prevent identity theft. It does this by blocking any potential creditors from being able to view or access your personal information, which can help prevent them from applying for credit in your name. In Washington, you are protected by the Consumer Debt Defense Law. This law allows you to put a freeze on your credit report at no cost. You also have the right to request a security freeze be placed on your credit file if you have been a victim of identity theft or have had your personal information compromised. A credit report freeze is an important tool to protect your credit from unauthorized access. It can help protect against identity theft and prevent potential creditors from accessing your personal credit information. Knowing your rights under the Consumer Debt Defense Law in Washington can help you protect your credit and identity.

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What is a credit report freeze?

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