Unless you are actively searching for credit or have a new landlord who would like to take a look at your credit report before you move in,, there is no reason to have your credit report open and just sitting there. If you do not take the time to freeze the credit, then it is possible for anyone to check it, which means that a scammer can get ahold of your information and apply for credit and the banks, lenders and more will be able to access the credit to look it over. However, when you freeze it, if a lender does go to check the credit report, they will not be able to access it and the person trying to apply for credit will not be able to get any money.

Freezing your credit is one of the easiest and best ways for you to make sure that no one is able to steal your information and use it for identity theft. While you have this freeze on your credit, no one, including yourself, is able to apply for a new loan, open an account, get a new credit card, or do anything else financially with your credit score. They will be blocked if they do try to do this, they are going to get blocked because the bank is not able to access the credit report that they need.

If you do need to get to the report later, such as when your landlord is trying to look it up for a new apartment or if you are applying for credit for some other reason, you will be able to go back through and unlock the account. It will then be instantly opened for you to use, before you go back through and close it again later. This only takes a few seconds back and forth once you get it set up, but it can save you months of pain later on compared to identity theft.

Living in a luxury home can make all of your dreams come true. These homes are going to take you to the next level when it is time to have your own space and you will fall in love with them in no time. When you are ready to try out a luxury home, you need to come take a look at some of our San Francisco luxury homes at the Belvedere in Cow Hollow to see if they are the right choice for all your needs. With lots of space, all the upgraded amenities, and so much more, these homes are calling your name. Contact us today to set up your tour.