Credit freeze laws are aimed at preventing I.D. theft by keeping thieves from getting credit in your name.

A security freeze means that your credit file cannot be seen by potential creditors, insurance companies, or employers doing background checks '" unless you give your consent. Your report can still be released to your existing creditors or to collection agencies acting on their behalf.

Generally you can lift a freeze for a period of time such as when you want to open a new line of credit, or for a particular creditor, or end it totally.

There may be a minimal cost for a freeze as well as for lifting it. There is no need to pay a service to do this for you.

Be aware that if you sign up for a freeze, you won't be able to apply for additional credit yourself. You have to unfreeze the account first.

As of June 2010, forty-seven states and the District of Columbia have enacted laws requiring the credit bureaus to enable consumers to protect their credit files with a security freeze. You can learn about the law in your state and get instructions about how to place a freeze at: ConsumersUnion.org

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