Will locking my credit report affect my credit scores?
Locking your credit report will not affect your credit scores since a locked or unlocked status is not included in credit score calculations. While your credit report is locked, financial institutions will continue reporting data about your accounts such as balances, payment history and other information. The data in your credit report will continue to be updated regardless of the presence of a credit lock. That means your credit scores will continue to be calculated despite your credit report being locked.