Frequently Asked Questions

Credit Freezes

Q. What is a credit freeze?
A. Freezing your credit means only you can apply for new cards or loans. No one else will be able to do this in your name. It’s like putting a ‘closed’ sign outside of a storefront, and only you can reopen it. You can unfreeze your credit file at any time. For example, you may want to open a new credit card. You can unfreeze your credit to apply for the card, then refreeze it.

Q. Why should I freeze my credit?
A. Freezing your credit protects you from someone opening a fraudulent credit account (a credit card, loan account, etc.) in your name without your knowledge or consent. It is a proactive step any American with a Social Security Number can take to protect themselves from data breaches, which have become commonplace.

Q. Does a credit freeze affect my credit score?
A. No, a credit freeze does not affect your credit score in any way.

Q. Will I still be able to use my cards if my credit is frozen?
A. Yes, your cards will work exactly the same as they did before.


Q. How does Snow-Capped make money?
A. Snow-Capped is currently 100% free with zero advertising. We will always have a free option, but in the future it will be supported by advertising, primarily for credit card offers that will receive compensation.

Q. Why “Snow-Capped”?
A. The name is a nod to something secure (a mountain) and something cold (a snowcap).