You will soon be able to stop everyone from using your good credit name, even if you have not yet had the misfortune of dealing with the mess created by a stolen identity. That's because by November 1 all three credit bureaus will allow you to "freeze" your credit report, which means no one can access your report until you give them permission.

It's not only a good idea to prevent identity theft, it's also a way to make you think before opening up a new credit account. If you're having trouble getting control of your impulses and want to get them under control, think seriously about freezing your credit accounts.

Before the change, only people who could prove they were an actual victim of identity theft were able to freeze their credit account. Seniors in certain states, where it was mandated by state law, could also freeze their accounts.

When it comes to predictive data analysis and reporting, Fair Isaac (NYSE:FIC) is the stand out leader in that field. Fair Isaac offers statistics-based predictive tools for the consumer credit industry. You know their talents well. Predictive statistical analysis is the type of methodology used to collar you with your credit score. Fair Issac credit score analysis algorithms are utilized by the three big name credit reporting bureaus, Experian, Trans Union and Equifax. Basic FICO scoring systems have been in use since 1970. The current Fair Isaac credit scoring system has been in use since 1981. In addition to credit risk analysis, Fair Isaac also markets solutions for insurance applicant risk assessment, other financial risk predictors and data management solutions as well.

What might make Fair Isaac a good investment? Well, one thing is for sure. If the company is going to run into trouble they should be the first ones to know. I'll just give you some historical background on the company to enlighten you but I'll have to stop there because frankly when it comes to analyzing analytical analysis, I'd rather be sorting laundry or something exciting like that.