I have placed credit freezes at all three agencies in the US. I have existing debt that I am paying on time, will the credit freeze stop that activity from being recorded and helping my credit score?

  • 2
    It should certainly prevent many parties from seeing your score.
    – Beanluc
    Oct 16 '17 at 20:22

No, freezing your credit will not freeze your score.

You are continuing to make payments and time continues to pass. If you have credit cards, your credit utilization continues to change as your balance goes up and down. All of these things factor into your score.

A credit freeze prevents new creditors from accessing your credit report, but it does not stop existing creditors from reporting new information.

  • 1
    ... preventing your current creditors from being able to post new data wouldn't freeze your score either as all your existing accounts gradually aged out of the score. Oct 16 '17 at 13:18
  • A score that's not accessible is pretty useless though, isn't it?
    – Christian
    Oct 16 '17 at 14:38
  • 4
    @Christian That's the point. You un-freeze when you need it to be accessible (applying for a loan, buying a car) and then re-freeze it after. Reduces your exposure.
    – ceejayoz
    Oct 16 '17 at 15:05
  • 2
    @Christian - If your score can improve while your credit is frozen you should care.
    – Logarr
    Oct 16 '17 at 15:11
  • 1
    @Furious, the lender will be able to see that there is a freeze on the file, and will likely communicate that rather than "You have no credit". Same result, very different situations though.
    – economy
    Oct 16 '17 at 18:04

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