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http://www.usatoday.com/money/perfi/credit/2006-06-14-credit-freeze-usat_x.htmBill would limit consumers' credit rights
Updated 6/14/2006 3:05 AM ET
By Byron Acohido, USA TODAY
SEATTLE — Congress is considering pre-empting laws in 17 states that allow anyone to freeze their own credit and instead restricting the privilege to ID theft victims.
The proposed Financial Data Protection Act of 2006, expected to be voted on by the House as soon as next week, comes on the heels of the recent theft of sensitive data for 26 million veterans and active duty military personnel. If it becomes law, vets and military personnel who live in states that permit unrestricted credit freezes would lose that option.
A credit freeze cuts off access to your credit history. Since most banks and merchants insist on seeing a credit report before issuing credit, identity thieves can't open bogus accounts using ill-gotten data. Under the bill, backed by the financial services industry, simply having your data lost or stolen isn't enough. You must file a police report describing a specific instance of it being used to commit a crime.
"It's like telling someone you can't put a deadbolt on your front door until after you've been burglarized," says Washington state Attorney General Rob McKenna.
FREEZING CREDIT
States that permit all consumers to request freeze:
California
Colorado
Connecticut
Illinois
Kentucky
Louisiana
Maine
Minnesota
Nevada
New Hampshire
New Jersey
New York
Oklahoma
North Carolina
Utah
Vermont
Wisconsin
States that permit only ID theft victims to request freeze:
Hawaii
Kansas
South Dakota
Texas
Washington
Source: Consumers Union