If you live in California, you now have the right to put a “security freeze” on your credit file. A security freeze means that your file cannot be shared with potential creditors. A security freeze can help prevent identity theft. Most businesses will not open credit accounts without first checking a consumer’s credit history. If your credit files are frozen, even someone who has your name and Social Security number would probably not be able to get credit in your name.

This easy to follow ‘how to’ link includes sample letters specific to California residents as well as toll free numbers to all three credit reporting bureaus, Experian, Equifax and Trans Union.