This is a space where I think the id theft protection industry misses. A large chunk of the space revolves around the 3 bureaus, but there's a lot more to it than that.
A credit freeze is only effective if the entity using your information actually checks your credit/talks to the bureaus.
Tax fraud, healthcare fraud, shady car dealerships that don't care about your credit, buying a house where the seller 'holds the papers', etc, are all attack vectors that can be used with this sort of information.
A credit freeze is only effective if the entity using your information actually checks your credit/talks to the bureaus.
Tax fraud, healthcare fraud, shady car dealerships that don't care about your credit, buying a house where the seller 'holds the papers', etc, are all attack vectors that can be used with this sort of information.