Arizona Attorney General

Mark Brnovich

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Can a creditor see my files if they are frozen?

No. As long as they are not exempted from the freeze by the statute. The only thing a creditor would see is a message or a code indicating that the files have been frozen. Your report can still be released to your existing creditors, to collection agencies acting on their behalf, or to other exempt entities.

An example of other exemptions would be: law enforcement agencies conducting a criminal background check.