Credit Freeze vs Fraud Alert

A freeze blocks most new access until you lift it. A fraud alert tells potential creditors to verify identity. Both are free and neither hurts your score.

Security freeze

You place a freeze separately with each nationwide bureau. It is the stronger prevention tool because most new creditors cannot access the frozen file. You can lift it temporarily when you apply.

Fraud alert

An initial fraud alert lasts one year and asks businesses to verify identity before opening new credit. Contacting one nationwide bureau is generally enough for it to notify the other two.

Which to use

Use a freeze when you want strong default protection. Add a fraud alert if you suspect identity theft or want the verification notice. Identity-theft victims may qualify for an extended alert.

What neither does

Neither changes your score, erases accounts, or blocks use of an existing card. Continue monitoring statements and reports.