Arizona Attorney General

Mark Brnovich

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What should consumers keep in mind?

Consumers should carefully consider whether a credit freeze is right for them and, if necessary, plan ahead to arrange to remove the freeze before seeking a loan or new credit. For instance, while a freeze may offer benefits to the consumer, it may hinder or delay common applications, such as requests for cell phone service. Also, because creditors and issuers of credit often use different credit bureaus, consumers may need to place a freeze on their credit file with each of the major credit bureaus. Although these bureaus generally share information reported to them involving fraud or identity theft, they are not required to do so.

Regardless of whether a consumer has chosen to freeze their credit file, there are steps every consumer should take to protect themselves from identity theft. Tips on safeguarding personal and financial information can be found on the Attorney General's website. Consumers are also reminded that they can get free copies of their credit report online.