Freezing your credits means you (or anyone else) cannot access your credit report to open new lines of credit. No credit cards, mortgages, car loans, nothing.

Thank you

I can. I wouldn’t be so arrogant as to assume I know what everyone’s experience is, or to claim my experience is the single universal experience.

Surely you can accept that it is the case for some

It happened to me when I was 8 (not by Woody Allen). I can still remember every detail. It sticks with you