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Correct me if I’m wrong, but I’ve signed up for all 3 bureaus and enabled the credit freeze. My understanding, and experience years later, is that it is still frozen. I had to unfreeze a specific one last year for an auto loan.

Is there something else I’m missing that’s only temporary?

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The fraud alert adds a requirement that potential lenders call a phone number added to the credit file to authorize new loans/accounts, making it significantly less likely that fraud can take place.

TIL! Ty, I'll keep this in mind next time my credit card number is inevitably compromised.

If someone hijacks your account they can unfreeze your credit. It’s easy to hijack accounts.

I understand that, I’m curious if reporting fraud activity helps prevent that in some way like the parent comment seems to suggest, if only for a year.

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