Since no one can access your credit file without your permission, your authorization is required any time an organization wants to have your score calculated. (creditcanada.com)
By freezing your credit reports, you can prevent credit issuers from accessing your credit files except when you give permission. (privacyrights.org)
That means creditors can not access their credit files, so they can not update them or change them while frozen. (lendedu.com)