No, it just prevents banks, etc from checking your credit score/rating, which prevents anyone from opening a new account under your name. When YOU want to open an account, you temporarily unfreeze it for a couple days so that the institution you’re opening an account at can check, and then refreeze it.
The credit agencies will continue monitoring how much credit you have and how well you pay your bills and adjust your score accordingly. Freezing has no effect on that.
I don’t understand.
So someone can just make your iphone inaccessible for a decade and you can’t override it or log in, even if you have the passcode?
I’m sorry, what? I guess I’ll just add this to my list of reasons I’m glad I use Android. JFC.