Toward the end of two thousand eight an international credit freeze developed.

到2008年底，出现国际信贷冻结。

Strongest option is a credit freeze, making it impossible for someone else to open new accounts and bank cards in your name, but it will lock you out as will.

受害者的首选是冻结信用档案，防止他人盗用其名义开设账户和银行卡，但同时本人也会受此限制。