Planetary nebulae are not related to planets, other than that their shape may sometimes look like a planet. A reflection nebula reflects the light that is cast upon its' dust, from nearby stars. They are often blue in colour. A good example of a reflection nebula is the nebula that formed the Pleiades cluster.
Here is some information from Consumers Union about this personal choice. What the Security Freeze Prevents A security freeze is an effective tool in preventing the most costly and difficult-to-detect form of identity theft â false new accounts opened in your name.
Credit Freeze Credit Freeze. A credit freeze, also known as a security freeze, is a consumer right provided by Indiana law. Placing a security freeze on your credit reports can block an identity thief from opening a new account or obtaining credit in your name. A credit freeze keeps new creditors from accessing your credit report without your permission. If you activate a credit freeze, an identity thief cannot take out new credit in your name, even if the thief has your Social Security number or other personal information, because creditors cannot access your credit report. Any Indiana resident can request a credit freeze free of charge. There is no fee for Indiana residents to place, temporarily lift, remove or request a new password or PIN. To place a freeze, either use each credit agency's online process or send a letter by certified mail to each of the three credit agencies: