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Credit Freezes Do Not Totally Prevent Someone from Opening a New Account | Remember, Credit Monitoring is Usually Focused on One Credit Bureau, and not All 3 Credit Bureaus. Since Many Lenders Only Utilize One Credit Bureau, it is Best to Check All Three Credit Bureaus Every Few Months. | Congratulations Cynthia by raising your credit score 110 points in 34 days! | In a May 2017 study, My Credit Plan has had a 91% success rate in increasing FICO credit scores for those consumers enrolled. |