Credit freezes allow you to lock up your records and select a secret code that only you know and can use to temporarily "thaw" your credit. This means that thieves cannot do anything with your information even if they are able to obtain it. (No, need for Lifelock or the other identity theft insurance that dad and I got ripped off on.) Credit freezes have always been available at no cost to victims of ID theft. But recently Equifax, Experian, and TransUnion adopted new rules allowing more non-victims to have access to them. However, if you're a nonvictim, you will most likely pay unless if you're over 65 years of age. Check out the following sites for more information:
TransUnion.com
Experian.com
Equifax.com
Note that I have my credit froze at all three credit bureaus, and I sleep better at night. :)
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