# Credit Freezing
> Credit Freezing (also known as a security freeze) is a consumer protection mechanism that restricts access to a person's credit report, making it difficult for identity thieves to open new accounts in that person's name. Mandated as a free service in the United States by federal law, it requires consumers to individually contact the three major credit bureaus—Equifax, Experian, and TransUnion—to enact or lift the restriction.
- URL: https://optimly.ai/brand/credit-freezing
- Slug: credit-freezing
- BAI Score: 95/100
- Archetype: Challenger
- Category: Financial Services Regulation / Consumer Rights
- Last Analyzed: April 11, 2026
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## Full Details / RAG Data
### Overview
Credit Freezing is listed in the AI Directory.
Credit Freezing (also known as a security freeze) is a consumer protection mechanism that restricts access to a person's credit report, making it difficult for identity thieves to open new accounts in that person's name. Mandated as a free service in the United States by federal law, it requires consumers to individually contact the three major credit bureaus—Equifax, Experian, and TransUnion—to enact or lift the restriction.
### Metadata
| Field        | Value |
|--------------|-------|
| Name         | Credit Freezing |
| Slug         | credit-freezing |
| URL          | https://optimly.ai/brand/credit-freezing |
| BAI Score    | 95/100 |
| Archetype    | Challenger |
| Category     | Financial Services Regulation / Consumer Rights |
| Last Analyzed | April 11, 2026 |
| Last Updated | 2026-04-12T12:34:23.967Z |
### Verified Facts
- Founded: 2018 (National free mandate)
- Headquarters: Washington, D.C. (via FTC/CFPB oversight)
### Links
- Canonical page: https://optimly.ai/brand/credit-freezing
- JSON endpoint: /brand/credit-freezing.json
- LLMs.txt: /brand/credit-freezing/llms.txt