There may be some instances in which you would want to control who can access your credit report. Instances such as a divorce or other type of court proceeding or if you have a concern about identity theft you may want to make sure that no one is able to access your credit report without your explicit authority.
In that case you will want to put a “security freeze” on your reports. A security freeze is designed to prevent the credit-reporting bureau to release your report without your consent.
However, you must also realize that if you want to obtain credit you must plan ahead as you will need to use a specific personal identification number that the bureau provides for you and a special password in order to authorize the temporary release of the information.
That means you probably cannot get credit at the point of sale and if you need anything that requires credit such as insurance, a cell phone change, utilities, a digital signature, an Internet credit card transaction or anything like that you need to plan ahead.
For information on how to request a Security Freeze in your own state, check out the Experian website. You may also want to check out TransUnion and Equifax for details on their reports.
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