Certified Consumer Debt Specialist Practice Exam 2025 – Comprehensive All-in-One Guide to Exam Success!

A credit freeze is a restriction on access to a credit report, which is why this answer is accurate. When a credit freeze is placed on a consumer's credit file, it prevents lenders and other entities from accessing the consumer’s credit report, effectively hindering any new credit accounts from being opened in the consumer’s name. This is a protective measure typically used to prevent identity theft since it blocks potential creditors from evaluating the creditworthiness of the individual.

When a credit freeze is enacted, the consumer must take specific actions to temporarily lift or permanently remove the freeze if they wish to apply for new credit. This gives individuals control over who has the ability to access their credit information, thus enhancing their protection against fraudulent activities.

In contrast, other options do not correctly describe a credit freeze. Boosting a credit score refers to actions taken to improve a person's creditworthiness, while debt consolidation involves merging multiple debts into a single payment, and improving credit history pertains to efforts made to rectify past financial missteps or build a positive record. None of these options reflect the core function or purpose of a credit freeze.