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What Is the Difference Between a Credit Lock and a Credit Freeze?

Blog Post12/13/2018
Identity Protection
Lock vs. Freeze: Know Your Options
You may have heard about credit freezes and credit locks and wondered “What is the difference?” Good question! A credit lock or credit freeze both block access to your credit report, preventing anyone from using a credit report to open a new account in your name, such as a credit card or loan. Freezing or locking your credit are part of the protection options TransUnion offers to help you manage your credit and safeguard your identity.
So how do you decide whether to freeze or lock? It really depends on your personal preference.
Locking your credit is one of the many great features available to you when you subscribe to a TransUnion product solution:
TrueIdentity, is a FREE product that makes it easy to lock and unlock your credit with a simple swipe, and is accessible whenever you need it online. TrueIdentity was recently awarded the best Identity Protection Service Provider award by Javelin. It is packed with lots of other great features such Instant Alerts that are sent if anyone tries to access your credit report. If you’re the one applying for credit, the Instant Alerts provide confirmation and peace of mind. If it’s a thief applying for credit in your name, that Instant Alert may be the first sign that someone is trying to use your information. You also get 24/7 access to your TransUnion credit report and unlimited refreshes, credit alerts when something changes in one of your existing accounts, and $25,000 identity theft protection insurance – all for FREE.
TransUnion Credit Monitoring, is our paid premium solution packed with everything you need to monitor, understand and protect your credit. On top of everything you get with TrueIdentity, you will get personalized debt analysis and access to our credit score simulator so you can calculate the impact of your actions on your credit score, plus unlimited access to an ID theft specialist. You will also have the ability to lock your Equifax report through us, and receive up to $1,000,000 in Identity Theft insurance.
Please note, if you choose to cancel your subscription with TrueIdentity or TransUnion Credit Monitoring, you will lose the ability to lock, which is only available through those solutions.
A credit freeze, is simply that…. It freezes your credit, so no new accounts can be opened in your name. It is free, easy and accessible. visit us online to freeze and unfreeze. With a freeze, your credit report will still be protected, you just won’t receive all the extra perks such as real-time alerts that you receive if you lock through a TransUnion product. Whatever you decide, the power to manage who accesses your credit report is in your hands.
* If you have a lock or freeze, you are still eligible to receive prescreened offers of credit unless you opt out.

Disclaimer: The information posted to this blog was accurate at the time it was initially published. We do not guarantee the accuracy or completeness of the information provided. The information contained in the TransUnion blog is provided for educational purposes only and does not constitute legal or financial advice. You should consult your own attorney or financial adviser regarding your particular situation. For complete details of any product mentioned, visit This site is governed by the TransUnion Interactive privacy policy located here.

What You Need to Know:

There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender.

*Subscription price is $24.95 per month (plus tax where applicable).