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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?

Dheer
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J. Ari
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1 Answers1

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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.

Ben Miller
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