| Sometimes consumers are the last-in-line with | | | | filled with your credit cards or checking |
| news and control over their credit status. | | | | account data, you're not going to stop it by |
| No longer is that the case in Connecticut. | | | | having a gaggle of politicians pass a credit |
| Spurred by the proactive Attorney General, | | | | freeze bill. However, what a credit freeze |
| Richard Bluementhal, State legislators joined | | | | protection creates is a key "obstacle" which |
| the hand full of states that have decided | | | | you control for impeding any unauthorized |
| "enough is enough" in terms of regaining | | | | attempt to obtain your credit records or any |
| citizens' control over identity theft and | | | | like private data that might be contained in |
| criminal attempts to heist bank accounts or | | | | your personal report. You see, the identity |
| commit credit card fraud. No matter if you | | | | theft bad guys know the drill...they steal |
| live in New London, New Haven, Greenwich or | | | | your personal data...then they attempt to |
| anywhere else in the Nutmeg State, you've now | | | | apply for new credit cards which they'll use |
| got the right to control the release of | | | | to rapidly max-out credit limits...meanwhile, |
| personal credit information.Who's Against The | | | | you won't even know of the existence of this |
| Connecticut Credit Freeze Law? Remarkably | | | | new credit card until the bill arrive in the |
| the players in the credit bureau "front | | | | mail.Gotcha! The bad guys get "open running |
| line", namely Experian, Equifax and | | | | room" for 30 days or more...and then they |
| TransUnion along with many consumer credit | | | | vanish, leaving you holding the bag and |
| financial institutions and banks are dead-set | | | | having to unwind a now serious credit |
| opposed to credit freezing by "ordinary | | | | problem. In Connecticut at least this fraud |
| consumers".Why? They lose out on money. | | | | opportunity will be eliminated for the 20% or |
| Think of your credit report as "intellectual | | | | more of State residents who take up the |
| property", however with the twist that you | | | | opportunity to file and pay the fee of $10 |
| don't own it. Yes, it's all about you, what | | | | per credit bureau. Perhaps residents may be |
| you buy, how well or promptly you settle your | | | | motivated to freeze credit after reading |
| credit obligations. However, to the credit | | | | recent news of the attack on Mastercard and |
| bureaus the 150 million plus individual | | | | Visa records where over 40 million records |
| records represent ongoing cash flow as credit | | | | may have been fraudulently copied by |
| card companies, department store retailers, | | | | unauthorized persons.What The Connecticut |
| gasoline companies and a raft of other | | | | Credit Freeze Means In Terms Of New Credit Or |
| businesses "churn" business opportunity by | | | | Employer Background Checks. Once you impose |
| offering new low interest credit card | | | | a credit freeze, no banks insurers or any |
| facilities.Where Connecticut Residents Get | | | | other party can either obtain credit |
| Control On New Credit Enquiries. Here's the | | | | information nor can any new credit be issued |
| rub. If you, the peon consumer, take control | | | | unless you personally release the report. |
| over your own credit record in terms of when | | | | You do this in a formal notification to the |
| it's made available to new requests, then you | | | | credit bureau, plus a $12 fee for each |
| effectively control the timing of revenue for | | | | enquiry. What this means if you're changing |
| both the credit bureaus as well as the | | | | jobs or careers is that no background check |
| merchants keen to sell yet another credit | | | | will "go through" unless you formally notify |
| card inducement to selling gear. It's | | | | the credit bureau.Connecticut credit freeze |
| certainly in your "best interest", but | | | | laws signal a new trend in awareness to fight |
| clearly not in the commercial interests of | | | | back against identity theft and credit card |
| the credit bureaus and merchants.How Does | | | | fraud. For more info and family protection |
| Connecticut Credit Freeze Stop Identity Theft | | | | strategies please go to:-Avoiding Identity |
| Fraudsters? Since identity theft can be | | | | Theft: Against Online ID Theft:: Robin |
| triggered by intercepting your mail, stealing | | | | Derry is publisher for a specialty |
| your auto, renting State birth records (like | | | | information site that gives solutions to |
| in California), corrupting an online web | | | | health, household, sport, travel and legal |
| seller's data base, or stealing a pocket book | | | | needs. |