I know someone who's been in the US for about three years. He came legally and is in the process of becoming a citizen. He has a bank account, a shared checking account with a family member, but no credit card. He hasn't applied for any loans.
He'd like to freeze his credit but he's not sure he's even on file. He's kind of scared to check (better to not be on file, than to volunteer oneself, I guess is the logic.)
Should he be able to freeze his credit with the 4 credit agencies by now (should they have his info on file by now)?