Report Freeze

Submitted by Laura on Tue, 01/15/2008 - 12:01

How far do you think that a credit report freeze helps you to keep the file safe from unwanted visitors or undesirable credit pulls?

recently the panel of Georgia has okayed the credit freeze bill. I think this is really going to help prevent identity fraud. What do you think? Any personal experiences here?

I have no idea. This is the 1st Ive heard of it. Im curious to learn more. Can you tell me where I can find more information and Ill investigate.

Fri, 01/25/2008 - 12:45 Permalink

You’ve been reading and hearing about the “security freeze” to stop new account identity theft. Should you get a security freeze? Here is some information from Consumers Union about this personal choice.
What the Security Freeze Prevents
A security freeze is an effective tool in preventing the most costly and difficult-to-detect form of identity theft ― false new accounts opened in your name. New account fraud occurs when a thief uses the victim's personal information to open up one or more new accounts for credit or services in the victim's name. The bills, of course, go elsewhere, so that consumers learn of the new account when they find out about ruined credit scores or when they are contacted by debt collectors.
Why the Security Freeze Works
Before opening a new account, most reputable creditors evaluate the creditworthiness of the applicant by checking the consumer credit report or credit score. A security freeze stops potential creditors from seeing the consumer's credit report and credit score unless the consumer decides to unlock the credit reporting file with a PIN. The freeze stops the new account in the name of a thief because the creditor who is considering the thief’s application can’t check the real consumer’s credit report or credit score.
A security freeze does not stop misuse by a thief of your existing bank account or credit accounts, which is called existing account fraud. You still have to check the monthly statements on your existing accounts for any erroneous charges or debits.
Things to Consider Before Placing a Security Freeze
Consumers Union has worked to enact security freeze laws because we believe that each consumer should have the right to choose to freeze access to his or her consumer credit reporting files. Whether the security freeze is the right choice for you depends on your individual circumstances.
Here are some things to consider when deciding whether the security freeze is right for you.

There is tons of information out there.

Fri, 01/25/2008 - 19:29 Permalink
Mike w (not verified)

I lost my wallet which contained my driver license and credit card and immediately cancelled my two credit cards and my bank debit card. The next day I placed a security freeze with all the major credit bueraus. It only costs ten bucks to place each freeze but in my opinion it is well worth the peace of mind. I may not be able to stop thiefs from attempting to make a withdrawal at the drive through of my local bank using my DL, however I can stop them from opening new accounts / loans under my name!

Tue, 09/22/2009 - 07:56 Permalink
Mike W (not verified)

Correction, my wallet was stolen NOT lost but stolen so I felt the compelled the take the necessary precautions.

Tue, 09/22/2009 - 07:58 Permalink
Keithmit (not verified)

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Thu, 09/05/2019 - 19:07 Permalink