Explainer
Credit freeze vs. fraud alert: which should you use?
Two tools, two jobs. Here's the difference.
Direct answer
A credit freeze restricts access to your credit file so most new creditors can't open accounts in your name until you lift it, and it's free. A fraud alert tells lenders to take extra steps to verify your identity and is also free. A freeze is generally stronger; an alert is lighter and easier to live with.
Security freeze
- Free to place and lift at each bureau under federal law.
- Generally blocks new creditors from seeing your file, so most new accounts can't be opened.
- Stays until you lift it; you'll need your PIN or login to unfreeze when you apply for credit.
- Doesn't affect your score or existing accounts.
Fraud alert
- Free; asking one bureau generally gets it passed to the others.
- Tells creditors to verify your identity before opening credit.
- An initial alert lasts one year; identity theft victims with a report can get a longer one.
- Doesn't block access to your file.
Which should you choose?
If you've been a victim of identity theft or are worried about it, a freeze offers stronger protection. If you apply for credit often and want something lighter, a fraud alert may fit. You can use both.
If your identity was stolen
Report it at IdentityTheft.gov, place a freeze or alert, and dispute the fraudulent accounts with each bureau, attaching your identity theft report.
Start free
Rapid Rescore writes dispute letters to all three bureaus in minutes, free. Mail them yourself, or have us mail them first-class or certified with tracking. No credit card required to start.
Create my free accountGeneral educational information, not legal or financial advice. Rapid Rescore is not a law firm and does not guarantee any result. Published October 2026.
No. It doesn't affect your score.
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