I typically don’t “freeze” my credit but do have a handful of services actively monitoring my credit for free (have been involved with many data breaches) and i

I typically don’t “freeze” my credit but do have a handful of services actively monitoring my credit for free (have been involved with many data breaches) and it’s included with my credit cards. > A credit freeze restricts access to your credit report So if I freeze my credit, this will also deny access to the monitoring services AND financial institutions, right? Side note: financial institutions often do “soft” credit pulls on active account holders to determine if they are eligible for credit limit increases. Have been growing my existing credit line for some time now without having to obtain additional credit cards. So far, close to $500K in unsecured credit. Seems more like a nuclear option.