This is very informative. Will visit my bank to see what the pros and cons of credit freeze are. I have already paid off my house, car, renovations, put all my utilities on automatic bill payment (ABP), and have never had occasion to borrow money. Thanks for the good advice. Once my credit card company did block my card because someone stole my info from the Home Depot break in. So thankful they had software to block someone from Laredo. They automatically called me and informed me they were sending me a new credit card Fedex express. CREDIT FREEZE. Got it.