Q: Does a credit freeze im­pact my credit score? A:

Dayton Daily News - - DEAL SPOTTER -

No. Ac­cord­ing to the Fed­eral Trade Com­mis­sion, a credit freeze does not im­pact your credit score. A credit freeze also does not:

Pre­vent you from get­ting your free an­nual credit re­port.

Keep you from open­ing a new ac­count, ap­ply­ing for a job, rent­ing an apart­ment, or buy­ing in­sur­ance. But if you’re do­ing any of th­ese, you’ll need to lift the freeze tem­po­rar­ily, ei­ther for a spe­cific time or for a spe­cific party, say, a po­ten­tial land­lord or em­ployer. The cost and lead times to lift a freeze can vary, so it’s best to check with the credit re­port­ing com­pany in ad­vance.

Pre­vent a thief from mak­ing charges to your ex­ist­ing ac­counts. You still need to fre­quently mon­i­tor all bank, credit card and in­sur­ance

Newspapers in English

Newspapers from USA

© PressReader. All rights reserved.