No one is completely safe from the threat of identity theft but there is much you can do protect yourself.  One strategy that consumers may consider is known as “credit freeze”.  If you’re not familiar with the term, this post talks about basic points that you should know about credit freeze.

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Do you have a Facebook account?  According to the Facebook Press, there is an estimated 500 million active users of Facebook across the globe.  50% of these users log on to FB at least once a week, 70% resides outside the United States and most of them spend around 700 billion minutes per month on FB.

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What is a credit freeze and how can it protect you against identity theft? Is it really an effective tool to fight ID theft and fraud?

What is Credit Freeze?

The purpose of credit freeze is to block everyone – new creditors, insurers, employers – from accessing a person’s credit report. Even the credit report owner is blocked out, unless he/she requests to “thaw” or “unfreeze” the report.
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To avoid identity theft, the best way is to put your credit report on a freeze. How does credit freeze work and why should you consider it?

What is Credit Freeze?

You may already be aware that lenders check a person’s credit report before approving an application. Nevertheless, other companies which you did not send application to can also inquire about your credit report to send you offers. Unfortunately, identity thieves can also disguise themselves as a lending company or a merchant to inquire about your report. Since your credit report contains valuable information about you, thieves can easily steal that information and use it commit fraud against you.
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I have two identity theft accounts. Someone use my social security number to apply for SBC and Direct TV. I never receive bills from them. When I found out about these accounts, they already shown as collection on my credit report. These have negative effect on my credit. I called up the collection agency for SBC and told them this is not my account. They are not willing to remove me. I have called up Federal Trade Commission and reported these. They couldn’t do anything about this. I have try to consult free legal aids, they didn’t make any reply!!! How can I remove these identity theft accounts?