Your credit information on ice
Consumers now have a new national tool to block identity thieves to sellant for victims with their claims.Known as “security freeze”, the method adopted all access to files consumer credit effectively prevent someone ready to a consumer’s name. The companies control a frozen credit file a new account can only be done with the consumer not in use.Although almost all consumer countries to seal files - the law of Colorado occurred in July 2006 - much of the limited practical victims of identity theft. Colorado’s law allows every consumer to be done.Eleven countries had not freeze the laws of credit, so that consumers in the survey.The three reports changednation credit agencies - Equifax, Experian and TransUnion - so that everyone has begun to freeze their reports, whatever the law of the State of restrictions, even though many of them a penalty.
“Consumers are demanding because of fraud, assisting victims questioned whether it was everything they do others, it was rather restrictive,” said Stephen Katz, spokesman for Trans Union, the first three agencies to allow universal access to freezing limited. “We want to give people the choice to take the precautionary step that is best suited to their situation.”
It is an important distinction because the agencies do not say whether this is a good idea or not. They will say, unless a consumer has already been the victim of identity theft or feel their personal data can be easily compromised, a freeze credit file can not be the right step.
“If the hope is to prevent ID theft, not a single good reason, Experian, spokesman Rod Griffin said.” But if not worry, someone is at the opening of credit in your name, it makes sense. It is not to protect your credit rating, but if you do not have problems of fraud, why should you freeze the file? ”
Strangely, many Americans do not have the option to freeze. The three organizations believe that, between them, about 60000 to 75000 files have been frozen since the first state law came into force in 2003.With more than 10 million victims of identity theft, experts are dangerous, why not colder.Some of them may be that consumers are not aware that they can control access to credit their files. That’s begun to change.
“The arrival of the Internet has a lot of opportunities for consumers to learn more about their credit report and give a better understanding of how to protect themselves,” said David Rubinger, a door Critic Equifax.
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