Credit Freeze / Security Freeze
Freezing your credit is one of the best ways to protect yourself. It will prevent potential creditors, insurers, and others who do not have an existing account or business relationship with you from obtaining or accessing your credit file until you instruct the credit bureaus to unfreeze your credit report. It does not prevent companies with an existing account with you, or a collection agency acting on behalf of the existing account, from accessing your credit report. They are designed to prevent a credit bureau from releasing your credit report without your consent.
Clark Howard of CNN says, “Credit freezes are one of the most effective tools against economic ID theft available to consumers.” http://www.clarkhoward.com/news/clark-howard/personal-finance-credit/credit-freeze-and-thaw-guide/nFbL/
The cost and availability of placing a Credit Freeze varies by state. You can get more information from Financial Privacy Now: http://www.consumersunion.org/campaigns/learn_more/003484indiv.html
You need to place the freeze at each of the Credit Reporting Bureaus.
Freeze out those Financial Identity Thieves.