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An Equifax credit freeze is a security measure that restricts access to your credit report to help prevent identity theft and fraud. When a freeze is active, lenders cannot view your credit file without your permission, making it difficult for criminals to open new accounts in your name. You can place, temporarily lift, or remove a credit freeze for free through Equifax using a PIN or online account. A credit freeze does not affect your credit score and remains in place until you choose to remove it, providing long-term protection for your financial identity.