credit report freezes

web.bank/credit report freezes are a hassle:
. clarkhoward.com recommends putting
a freeze on your credit report
to prevent ID theft .

. to freeze a credit file
costs $5 for az.state
.. unless you are a victim of identity theft
and submit a copy of a valid
police, investigative, or law agency
complaint or report
about the unlawful use of
your personal information
by another person .

the aftermath:

. your file being frozen may
delay, interfere with or prohibit
the timely approval of any
subsequent request or application
for a new loan, credit, mortgage,
insurance, government services or payments,
rental housing, employment,
investment, license, cellular telephone,
utilities, digital signature,
Internet credit card transaction
or other services, including
an extension of credit at point of sale.