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Both credit freezes and credit locks help prevent unauthorized access to your credit reports.
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Credit freezes are always free, while credit locks may come as part of a paid subscription or monitoring service.
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Both tools protect you from fraudulent accounts being opened in your name.
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Managing them depends on your preference: freezes are handled directly with each credit bureau, while locks are managed through an app or service.
What Is a Credit Freeze?
A credit freeze (also called a security freeze) is a free, government-protected tool that lets you block access to your credit report. This makes it harder for identity thieves to open new accounts in your name.
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You can place a freeze online, by phone, or by mail with each credit bureau.
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Freezes are always free and do not affect your credit score.
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You can temporarily lift a freeze if you’re applying for credit—whether for a car, mortgage, or new credit card.
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Temporary lifts can be scheduled in advance and set to expire automatically, so your freeze goes back into place.
👉 Best for: Anyone who wants strong, no-cost protection against identity theft.
What Is a Credit Lock?
A credit lock works similarly to a freeze—it prevents new accounts from being opened in your name. The key difference is:
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Credit locks are typically offered as part of a paid credit monitoring service.
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Locks are managed through a website or mobile app, often making them more convenient to toggle on or off.
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Unlike freezes, locks may include extra features such as alerts or bundled identity theft protection.
👉 Best for: People who already pay for a credit monitoring subscription and prefer the convenience of managing access via an app.
Credit Freeze vs. Credit Lock: Key Differences
| Feature | Credit Freeze | Credit Lock |
|---|---|---|
| Cost | Always free | May require a paid subscription |
| Where Managed | Each credit bureau directly (TransUnion, Equifax, Experian) | Through credit monitoring service or app |
| Setup Options | Online, phone, or mail | Online or mobile app |
| Legal Protection | Federally regulated | Service-based, not mandated |
| Convenience | Manual setup with each bureau | Easier to toggle digitally via app |
What They Have in Common
Both credit freezes and locks:
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Prevent most third parties from accessing your credit file.
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Do not stop you from checking your own credit.
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Allow existing creditors to review your file for account updates or limit increases.
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Still permit insurers to use your report for underwriting.
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Won’t block pre-screened credit offers unless you separately opt out.
Which Should You Choose?
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Pick a credit freeze if you want a no-cost, federally regulated way to protect your credit.
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Pick a credit lock if you’re already paying for a monitoring service and value the ease of app-based management.
Either way, the power is in your hands—you control who can access your credit file.
Protecting Your Credit Health with CreditVana
Whether you freeze or lock your credit, monitoring your reports is just as important. With CreditVana, you get:
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Free 3-bureau credit scores (Experian, Equifax, TransUnion).
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Alerts when changes happen to your credit.
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Easy-to-understand insights to guide your financial decisions.
Disclosure
This article is for educational purposes only and does not constitute financial, legal, or tax advice. Always consult with a professional for guidance tailored to your situation. All trademarks belong to their respective owners. No endorsement or affiliation is implied.
👉 Take control of your credit.
Start monitoring your free credit scores today with CreditVana.
