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<tr><td><b>Comment Number: </b></td><td>534030-00004</td></tr>

<tr><td><b>Received: </b></td><td>1/12/2008 8:08:00 PM</td></tr>

<tr><td><b>Organization: </b></td><td></td></tr>

<tr><td><b>Commenter: </b></td><td>Elizabeth Fraley</td></tr>

<tr><td><b>State: </b></td><td>CA</td></tr>

<tr><td><b>Agency: </b></td><td>Federal Trade Commission</td></tr>

<tr><td><b>Rule: </b></td><td>Credit Report Freezes</td></tr>

<tr><td>No Attachments</tr></Table>

<hr><P><b>Comments:</b></p>Credit freezes help identity theft. I keep one active on my accounts, even though it may inconvenience me from time to time. It's better to guarantee that no one can open an account in my name than to end up with a stolen identity.</body></html>