Credit Lock: Protect your credit report with NordProtect
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Lock access to your credit file and credit report with a click
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Tighten the controls of your credit file to make it harder for fraudsters to take out loans in your name
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Get alerts when others try to exploit your credit report
What is a credit lock?
A credit lock is a service that blocks third parties from checking your credit report or credit file held by a credit reporting agency, making it harder to open credit accounts in your name. Since taking out new loans requires creditors to check the applicant’s credit report, locking access to your file at TransUnion with NordProtect’s Credit Lock feature helps prevent many dangerous consequences of identity theft and fraud.
How does a credit lock work?
When you toggle Credit Lock on in your NordProtect dashboard, it notifies our partner TransUnion to block new credit application inquiries into your file. Due to our arrangements with TransUnion, the effect is immediate — your credit report becomes locked from the moment you click the toggle and confirm your choice. And when you want to regain full access back to apply for a mortgage or a credit card, disabling Credit Lock is just as easy and just as fast.
Why do you need
a credit lock?
NordProtect’s Credit Lock feature is an important component in your defenses against identity theft.
Benefits of NordProtect’s
Credit Lock
Credit Lock serves as an important tool in your defense against criminals wishing to commit fraud related to financial activities in your name. Check out all the NordProtect features to see how you can further protect yourself.
Block unauthorized activity
By blocking inquiries into your credit report, you make it harder to complete one of the key steps in most loan applications and deny fraudsters easy ways to exploit your identity.
Get immediate protection
NordProtect’s Credit Lock activates as soon as you toggle it on — you don’t need to fill out an application or contact anyone. And when you’re ready to resume credit operations, disabling Credit Lock is just as easy.
24/7 actionable alerts
Get notifications when someone tries to take out a new loan, lease, or another line of credit in your name. Our credit monitoring service will warn you about these attempts even if Credit Lock is active, letting you know that fraudsters potentially have your data.
How to get NordProtect’s Credit Lock
Shield your credit report and make it harder for criminals to perpetrate identity fraud in just a few easy steps.
NordProtect’s Credit Lock feature is available to U.S. customers only.
01. Get NordProtect
Buy the subscription that’s best for you.
02. Set up Credit Lock
Verify your identity and enable the Credit Lock feature in your dashboard.
03. Get security alerts
Stay informed of attempts to access your credit report via timely security alerts.
Block credit report
exploitation with
NordProtect
FAQ
How do you lock your credit report?
To block new credit application inquiries into your TransUnion file, go to your NordProtect dashboard and open the “Financial monitoring” tab. Click the “TransUnion Credit Lock” toggle under your VantageScore® 3.0 credit score summary — your credit lock will take effect immediately.
Can someone steal your identity if your credit is locked?
Credit Lock protects against identity fraud and theft attempts by blocking a vital step in new credit applications, but it does not prevent all instances of abuse. Determined criminals may be able to exploit your existing lines of credit or simply engage in identity fraud by other means (for example, by accessing your bank account using a stolen device). NordProtect includes robust online fraud coverage and identity theft recovery services to further protect you.
How do I remove a credit lock?
To remove Credit Lock, go to your NordProtect dashboard and open the “Financial monitoring” tab. Then, set the “TransUnion Credit Lock” toggle under your VantageScore® 3.0 credit score summary to “Off” and confirm your choice. The lock on your TransUnion credit report will be removed immediately.
How do I know if I have a credit lock?
You can always check whether your Credit Lock is active in the “Financial monitoring” tab of your NordProtect dashboard. You will see a “TransUnion Credit Lock” toggle below your VantageScore® 3.0 credit score summary — if it’s ON, you’ve blocked inquiries into your TransUnion credit report.
If you’re worried about having a credit lock in place after switching to NordProtect from another provider, rest easy — a credit lock will be carried over from other services even if you don’t separately enable it on NordProtect for seamless protection.
What’s the difference between a credit lock and a credit freeze?
Credit locks and credit freezes serve very similar functions — both block inquiries into your credit report to prevent malicious actors from taking on debt in your name. The main differences lie in timing, convenience, and pricing. A credit freeze is free, but it must be arranged separately with credit reporting agencies and may take up to 24 hours to take effect. A credit lock, on the other hand, is a paid service (like NordProtect’s Credit Lock) that activates immediately with the click of a button.