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A.G. announces credit freeze law

While it's a 'comforting' law, do they really think any legislation they pass is going to speed things up with the three credit bureaus? I've been on hold longer than 15 minutes with each of them.

Does this apply to Pay-Day Loan Sharks, too? Score one for the public over the business dollar.

This bill actually passed in 2006 but the credit bureaus were given until Sep 1, 2008 to get their computers programmed for it. Nice going credit bureaus, way to hustle to get it done to show how much you care about the consumers. Used up the full alloted time to do this. What, were their programmers finally given the task the morning of Aug 31, 2008 and then had to work a couple hours of o.t. that day to finish it?

Identity theft has caused a lot of pain for many people for quite a number of years now. This should have been done a long time ago.

Does this mean I could freeze my credit now and only "thaw" it when I realy wanted to buy something? Sounds like we could protect ourselves that way.

I was the victim of Identy Fraud. If you go to life lock they are very up front about the fact that they don't do anything that you can't do yourself to protect your identity.

The problem is that the credit bureaus have made it very difficult to protect ourselves. They want to sell your personal information and businesses want you to have access to instant credit.

Companies like lifelock have automated the process.

The credit bureaus know how to shut down idenity fraud but they will not do it because it would cost them money. I wish somebody would sue them for neglegence.

They are like the tabacco companies. They know their operating procedures are harmful but will not do anything about it because of the 'love of money'.

The problem is that those businesses issuing credit do not have enough incentive to verify that the person is not a fake. If they have done the minimum required by the credit card companies, they are off the hook.

If someone steals your identity, guess who has to spend lots of time and money trying to clean up the mess. You!

I want the system to be that if someone wants me to pay for something, they must prove that it was me that bought it. If they can't do that, they clean up the mess. To me it is as if the transaction never happened. I don't need to "fix" anything with my credit report.

If businesses were left with the mess, you can bet that everyone would need (and have) a tamper-proof ID card in order to buy something on credit. The identity thieves would be stopped in their tracks.

Great job Senator Carlene Walker--Cottonwood Heights & Sandy!!!! Your constituents and the entire State's citizenry should be appreciative of your hard work in their behalf to protect their identity/financial assets. THANKS.