Separate Files
Each participating bureau has its own visible freeze state.
Freeze Center
A bureau-by-bureau view of whether credit files are frozen, open or unknown.
INSIDE FREEZE CENTER
Purpose, systems, and connections.
Freeze Center keeps protection state specific to the actual reporting institution. Authorized workflows can update the relevant file where an integration supports the action.
Unknown State
An unconfirmed result remains unknown rather than appearing protected.
Authorized Workflow
Opening or freezing a file follows the person’s deliberate authority.
How it connects
Success at one bureau does not establish that every credit file has been frozen.