Arizona Attorney General

Mark Brnovich

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How does a freeze work?

A freeze prevents credit bureaus from releasing credit information without the consumer's express permission. Businesses typically check credit histories before issuing credit or opening new accounts, so a credit freeze will prevent new credit accounts from being opened in the consumer's name until the freeze is removed. This will help prevent others from trying to get credit in their name and protect the consumer from identity theft. When a freeze is in place with a credit bureau, any changes in a consumer's name, date of birth, Social Security number or address must also be confirmed with the consumer by the credit bureau 30 days before the change is posted to their file.