If I'm not mistaken, any lender that is already granted access by you who use those reports that are frozen will still have that access. Now, on the other hand if you try to open any line of credit and that lender wants to use one of those reports, they will ask you to unfreeze it, or will deny you. Sometimes they deny immediately just because they can't access it.
I believe RM is correct on all points. Anther additional consideration is that it will also stop most of those junk pre qualifier offers. I'm considering doing the same thing.
