Freeze safety of consumers powerful protection against identity theft
After months of news about data security against them have millions of consumers risk of identity theft, a growing number of countries adopting laws, the Americans a powerful new tool to limit damage this fraud is punishable. Ten countries, consumers have the right to a freeze on security in credit swindler files can not open new accounts with stolen identities. More countries should follow and a bill extending the right to security freeze on consumers in Germany was introduced in Congress by Senator Mark Pryor.
“One of the biggest headaches, that victims of identity theft to do is cleaning up damage done to his recordings of credit, if swindler open new accounts in their names,” says Susanna Montezemolo, Policy Analyst Union financial campaign with consumers now privacy. “A security freeze consumers the ability to prevent thieves from ruining their credit records. If consumer access through credit files is frozen, the identity thief is stopped cold ”
A security freeze allows consumers to avoid someone, using its own credit or file their reports, for purposes of granting credit unless the consumer decides to make the transaction to model information. This gives the consumer control, has access to all information necessary to process a credit application and prevents crooks from opening new accounts on behalf of consumers. If consumers, the application for credit, which can freeze temporarily lifted so that the application can be processed.
California allows all consumers of a security freeze on credit reports of their file at any time, even if they are not victims of identity theft. The legislator, Colorado, Connecticut, Louisiana, Maine, Nevada, and have laws similar security to freeze all consumers, but they are no longer in force. The security freeze law in Louisiana, with effect from 1 July, Nevada, while the law begins on 1 October. The security freeze laws recently in Colorado, Connecticut, Maine and enter into force next year. The New Jersey legislature recently an identity theft bill, a security risk provision to freeze all consumers. The governor Richard J. Codey is expected to be able to identify the characters.
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