[HCRA] You might be interested in this - k1jaw

[Jim W]

OK, so this isn't ham radio but, at the sake of being chastised, or flamed by someone, I thought this might be important, and of interest to some.  Last year, the law was changed to allow us to freeze our credit reports.  I found out last week.
 
Today, after talking it over with Barbara, I froze my credit reports which makes it more difficult to issue new credit in my name, and a little bit of a pain if I wanted to get new credit cards, auto loan, etc; but for me, it is worth it.  This cost for MA residents is $5 x three agencies (Unless you have been a victim then it is free).  This link (below) gives you some of the background, and the three important links for the three reporting agencies.  One comment that I did pick up on is that if you are going for a mortgage, unfreeze for a period of time (max 30 days) and NOT for a specific lender.  Other than that, it is pretty self explanatory.
 
http://clarkhoward.com/topics/credit_freeze_states.html
 
PS....  I take flaming well ..... 
73
Jim  K1JAW