[ctphipps]

The fact that the credit reporting agencies can (and do, when not prohibited by state law) charge a fee for each freeze and unfreeze event is what prevents me from doing this. While the fee isn't expensive compared to dealing with the ramifications of ID theft, it's the principle of paying the data guardians to guard my data better that I object to. Especially when I have no choice (assuming I want to live a modern life) but to have them manage my data.