Sponsor Robert Siciliano as he runs the Boston Marathon for Miles for Miracles, Children's Hospital Boston
ROBERT SICILIANO, CEO of www.IDTheftSecurity.com is fiercely committed to informing, educating, and empowering Americans so they can be protected from violence and crime in the physical and virtual worlds.

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Invest in Identity Theft Protection and a Credit Freeze

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ConsumersUnion provides a resource for consumers to learn what their options are in regards to a “security or credit freeze”.

“There are more than eight million new victims of identity theft each year in the U.S. Many of these victims find that crooks have used stolen personal information like Social Security numbers to open new accounts in their victim’s name. A security freeze gives consumers the choice to “freeze” or lock access to their credit file against anyone trying to open up a new account or to get new credit in their name.”

When a security freeze is in place at all three major credit bureaus, an identity thief cannot open a new account because the potential creditor or seller of services will not be able to check the credit file. When the consumer is applying for credit, he or she can lift the freeze temporarily using a PIN so legitimate applications for credit or services can be processed.”

As essential and effective and as a credit freeze is, it can be cumbersome for some people. I’ve gone through it myself and was a little miffed by the inaccuracies in the administration by the credit bureaus who processed the applications.

For whatever reason when the applications were received they entered the data incorrectly and some of the freezes couldn’t go through. After a few letters and phone calls everything was straightened out.

The process generally involves an “affidavit” that requires name, address, Social Security number, and a copy of a utility bill to verify you are you. Fees for a freeze can be free up to $15.00 per credit bureau. Once this is complete, your identity as far as new account fraud is locked down pretty well. However that’s not enough.

State laws with affidavit downloads:

Alaska, ArizonaArkansas, California, Colorado, Connecticut, Delaware,District of Columbia, Florida,GeorgiaHawaiiIdahoIndiana, Illinois, Iowa,Kansas, KentuckyLouisiana, Maine, Maryland, Massachusetts, Minnesota, MississippiMontana, Nebraska, Nevada, New Hampshire, e=”text-decoration: underline;”>New Jersey, New Mexico, New YorkNorth Carolina, North Dakota, Ohio, Oklahoma, Oregon, PennsylvaniaRhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, VermontWashingtonWest Virginia, Wisconsin, Wyoming

For more information, see: Frequently Asked Questions about the security freeze.

Robert Siciliano Identity Theft Speaker discussing credit card and debit card fraud on CNBC

About the Author
ROBERT SICILIANO, CEO of IDTheftSecurity.com is fiercely committed to informing, educating, and empowering Americans so they can be protected from violence and crime in the physical and virtual worlds. His "tell it like it is" style is sought after by major media outlets, executives in the C-Suite of leading corporations, meeting planners, and community leaders to get the straight talk they need to stay safe in a world in which physical and virtual crime is commonplace. Siciliano is accessible, real, professional, and ready to weigh in and comment at a moment's notice on breaking news.

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