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.
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