We (wife and I) put a security freeze on our credit reports. We just bought a carpet and wanted to take advantage of the 12mo interest free deal.
My wife applied for an account and even though she already has an account with Citicard, the application was denied. So-the security freeze works! When we found out which credit agency Citicard was using, we removed the freeze temporarily and the account was ok'ed.
It cost nothing to put the freeze on all three agencies and it only costs $10 to do a temporary removal. Small price to pay for peace of mind.
Here is the link.
http://www.consumersunion.org/campai...3484indiv.html