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Credit Lock
What Is a Credit Lock?
A credit lock is a service offered by credit bureaus that restricts access to your credit report — similar to a credit freeze.
However, a credit lock is:
- Often managed through a mobile app
- May be part of a paid service
- Governed by a service agreement rather than federal statute
Credit Lock vs. Credit Freeze
- Credit Freeze → Free, protected by federal law.
- Credit Lock → May be paid, governed by bureau terms.
Both restrict access to your report, but a freeze provides stronger legal protections.
FAQs About Credit Lock
Is a credit lock free?
Sometimes, but often bundled with paid services.
Does it affect my credit score?
No.
Is it better than a freeze?
It depends on whether you prioritize legal protection or convenience.
Related Terms
