A credit freeze helps protect you by:Correct Answer: Preventing new credit from being opened in your name ! Other People SaidIncreasing your credit limit: 86 Preventing new credit from being opened in your name: 1000 Erasing existing debts immediately: 104 Next Question: An adjustable-rate mortgage (ARM) means:Your payments decrease every yearYou can skip payments periodicallyYour interest rate can fluctuate periodically