A credit freeze allows an individual some control on how a consumer reporting agency allows access to your credit report and credit history.  With the rise of identity theft, a “credit freeze” is a tool that can allow you to block your credit file from anyone who tries to open a new line of credit with your vital information.  Anyone who has spent months, if not a year, unraveling fraudulent use of their credit will tell you that the inconvenience of putting a credit freeze on your credit … [Read more...]