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Comment Security freezes (Score 2, Informative) 609

If you live in California, you can put a security freeze on your credit record. That means that nobody but you (or the usual government agencies, I suppose) can request a credit report unless you unfreeze it. Although this doesn't prevent someone from using your identity, it does make it harder for them to get credit or open accounts, since most banks or other entities will want to check your credit report first.

AFAIK, California is the only state that has security freezes. Needless to say, it's not something that the credit agencies have been exactly jumping for joy about, since they are in the business of selling reports.

In all states, you can request (and pay for) a security alert, which means you are notified when somebody pulls a credit report.

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