Phone: Call us on: 0113 5181670 (Monday to Friday 9am - 5pm)
Write: Novuna Personal Finance, 2 Apex View, Leeds, LS11 9BH
Last updated - 8th April 2026
What is a credit lock?
A credit lock is when you apply a lock on your credit file. It is an extra layer of protection against identity fraud. When the lock is on, lenders can’t view your credit report, which stops fraudsters from applying for credit in your name. If you choose to use a credit lock, you will need to set it up with each credit reference agency that offers the service, and some may charge a fee. If you later apply for credit - such as a loan, credit card or mortgage - you’ll need to remove the lock so the lender can check your credit file.
Email: referrals@novunapersonalfinance.co.uk
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