If the credit industry were doing a better job protecting you, we wouldn't need such products.
Sure, if you want your credit to be absolutely convenient, you would not select a credit freeze. But if you are a victim of identity theft, you would be happy to have that available to you. Ultimately, it is the only thing that will really stop identity theft.
There's not anything being done here that a consumer can't do themselves, ... We encourage consumers to check their credit reports themselves.
With so many uses made of credit report these days, it's vitally important that consumers regularly check them.
If you've got your house, got your car, got your two credit cards and you know there's no other credit that you'll be getting in the near future and you're very, very, very concerned about identity theft, take advantage of the fraud alert,