Points to Ponder about Credit Freeze
As cases of identity theft continue to increase, the US government is encouraging consumers to put up a good fight. In November 2007, credit report score freeze was introduced as a way to stop identity thieves from committing fraud against people. What is credit freeze? Credit freeze is applied to the individual’s credit file. Once your file has been put on a freeze, all new inquiries on your report will be blocked from view. That means new creditors, insurers, employers, not even you, can access your credit report unless a request has been made to “unfreeze” or “thaw” the account.
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