Full stop, yes you should freeze. Issue isn’t if you have debt or not. Credit rating agencies start tracking very early, and what they’ll track for you is basi

Full stop, yes you should freeze. Issue isn’t if you have debt or not. Credit rating agencies start tracking very early, and what they’ll track for you is basically “no data/low credit score.” That doesn’t mean you’re not in the system, or more importantly - doesn’t mean qn attacker can’t take out debt in your name. A freeze is the only thing that stops this for you and your kids. I hate that it works this way but such is life.