A credit freeze helps protect your identity by blocking access to your credit report. If you suspect fraud or identity theft, freezing your credit can stop lenders from opening new accounts in your name.

What is a Credit Freeze?

A credit freeze prevents creditors from checking your credit file. This blocks both fraudulent and legitimate new accounts. The freeze does not affect your current credit score.

When you want to apply for a mortgage, car loan, or credit card, you’ll need to lift your credit freeze. This can be done temporarily or permanently.

How to Place a Credit Freeze

You must request a freeze with all three nationwide credit bureaus:

Requests are free. Processing times:

  • Online/Phone – within 1 business day.
  • Mail – within 3 business days.

How to Lift a Credit Freeze

When you’re ready to apply for credit, you must lift the freeze:

  • Temporary lift (thaw) – allows access for a set time.
  • Permanent lift – removes the freeze until you reapply.

Processing times:

  • Online/Phone – within 1 hour.
  • Mail – within 3 business days.

Credit Freeze vs. Credit Lock

  • Credit Freeze – Free, legally regulated, applied at each bureau.
  • Credit Lock – A paid service with similar protections, often part of monitoring products.

Fraud Alerts vs. Credit Freezes

Fraud alerts are free notices on your credit report. They tell lenders to verify your identity before approving credit. Alerts last from one year to seven years depending on the type.

Why Credit Freezes Matter in Florida

Florida has high identity theft rates. For local homebuyers, a freeze can delay your mortgage application. At North Star Mortgage Network, we recommend scheduling a thaw before applying for a loan to avoid delays.

Step-by-Step: Placing or Lifting a Credit Freeze

  1. Contact Equifax, Experian, and TransUnion directly.
  2. Verify your identity with proof of Social Security number and address.
  3. Place or lift your freeze online, by phone, or by mail.
  4. Schedule a thaw if you plan to apply for credit.
  5. Save your PIN or login info securely.

Local Guidance for Borrowers

If you’re buying a home in Jacksonville, St. Johns County, or anywhere in Florida, our team at North Star Mortgage Network can guide you. We’ll help you understand when to lift your credit freeze so your mortgage approval process goes smoothly.

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