Are there any exemptions to the credit freeze law?

Yes, there are exemptions to the credit freeze law. In certain situations, credit reporting agencies may be allowed to release your credit report even if you have a freeze in place. Exemptions typically apply to entities with a pre-existing relationship with you, such as your current creditors or debt collectors acting on their behalf. These entities can still access your credit report for account monitoring or collections purposes. Additionally, government agencies and certain other entities may have legal authority to access your credit report without your consent. It's important to review the specific laws and regulations in your jurisdiction to understand the exemptions that may apply in your situation.