Since this wasn’t apparent the last time I asked… no, I’m actually not a US citizen or green card holder (permanent resident). Just happened to be in this country for a long time due to career reasons.
Since this wasn’t apparent the last time I asked… no, I’m actually not a US citizen or green card holder (permanent resident). Just happened to be in this country for a long time due to career reasons.
What does this mean
I am WAY too lazy to type everything out, but there’s 4 credit bureaus that effect/control your credit score. Setting a freeze prevents anyone from checking that score in the process of, say, opening a credit card, buying a car or home, and more.
https://literature.cafe/post/17385059
To freeze your credit means that you (or anyone inpersonating you) can do anything that requires your credit. Cant make large purchase, take out loans, etc. Its a good way to protect yourself from identity theft.
To unfreeze it, you need to go through a process with the credit union before you can use it again. Its generally a good practice to freeze your credit always if you can plan ahead for large financial purchase