Financial literacy guide

Credit freezes and fraud alerts in the United States

A U.S. credit freeze can restrict access to a credit file, while a fraud alert tells businesses to take additional steps to verify identity.

U.S.Identity protection

Editorial review: August 11, 2026 · Lauren M. Whitfield

Different tools

The FTC explains that freezes and fraud alerts are distinct identity-theft protection measures.

Freeze is U.S.-specific here

Other countries use different credit-bureau and identity-protection processes.

Legitimate access can be affected

A freeze may need to be managed when applying for new credit or certain services.

Use official bureau/government channels

Avoid paying third parties to perform actions that official processes may provide directly.

Educational information only. Use current product terms and the rules that apply in your country. For decisions with significant financial consequences, consider an appropriately qualified professional.