[throwaway76543]

On the contrary, credit card theft is one of the most common forms of identity theft.

As I said above, it is far, far less time and expense to follow up to actual fraud with a police report than it is to freeze-unfreeze your credit every time you want to pass a credit check.

[rpedela]

> As I said above, it is far, far less time and expense to follow up to actual fraud with a police report than it is to freeze-unfreeze your credit every time you want to pass a credit check.

Unless you need monthly credit checks (very odd), I find that statement extremely hard to believe.

[throwaway76543]

Would you care to elaborate? I'm finding your opinion rather odd myself.

The vast majority of people never freeze their credit and never have to expend any energy on the issue of credit security at all.

Most people have their credit run a few times a year, when they sign up for a new service, new credit product, raise a limit, buy a new vehicle, what have you.