People here have mentioned from time to time putting a freeze on their credit reports in order to prevent identity theft. I just read an article in one of my law journals about credit freezes. California was the first to allow freezes. Now Colorado, Connecticut, Delaware, Florida, Illinois, Kentucky, louisiana, maine, Minnesota, Nevada, new Hampshire, New Jersey, North Carolina, Oklahoma, Rhode Island, Utah , Vernot, Wisconsin and New York allow freezes for any reason. A few states require that the consumer be a victim of identity theft in order to get a freeze. These states are hawaii, kansas, South Dakota, Texas and Washington.
But, there was a recent court case in California which found California's freeze statute unconstitional under the first amendment. The credit reporting agencies argued that they have a first amendment right to disseminate information they have gathered. The case in on appeal. Odds are that similar cases will be filed by creditors in other states as well.
Here is a link to some information about the California case: