Q: My credit is frozen. Should I thaw my credit to get a credit report?
You can always get your credit reports when your credit is frozen
A: no, you do not have not to unfreeze the credit to get your credit report. Credit gels prohibit third-as-potential lenders can access your report and are generally set to help prevent identity thieves from being able to open new credit accounts in your name. However, you are still able to access your credit file. Here is a quote directly from the Federal Trade Commission (FTC) website
"Placing a credit freeze does not affect your credit score or prevent you from doing your report Free annual credit, or from buying your report or credit score. "
If you have been victim of identity theft (or even if you do not have it), you may want to consider signing up for a protection service against identity theft . Many of these services will monitor your credit reports, scanning for the use of your personal information in a variety of arenas, provide free credit scores and free subscriptions to Internet security software. They are also able to monitor your credit reports while a credit freeze is in place. Our first choice is Identity Guard, and now they offer a free 30-day trial subscription and a discount of 18%.