Credit Report Freezes
Freezing credit reports is an important step in reducing ID theft and credit fraud. I had to unitiate a credit freeze due to an inadvertent release of my personal information by a state agency. Data base information can be exposed easily by human error or by sophisticated software that is available on line. Spyware and phishing is becoming more clever and available to those who want it and will become more efficient by developers of these insidious programs. We should be able to freeze our credit report when we want it frozen and not based on a problem.