What many consumers don't know is that they can put a block on their credit reports to keep businesses from arbitraly accesing and giving unauthroized credit approval on new accounts. For a small fee it can be permenant but a temporary block can be done without cost. That is how these new credit blocking companies are doing this to protect accounts from unauthorized access, but for a substantial fee. It may also keep credit card companies from a monthly access and a monthly increaes on interest on credit card and loan accounts. Credit scores can change monthly and it is being used to prey on the consumers without the knowledge or approval of the consumers. A credit reporting block could stop this practice by financial institutions as well as protect from ID theft.