The discussion about credit security freezes piqued my interest. Unfortunately, it does not stop current creditors from accessing your credit.
See the FAQ by the California State Office of Privacy Protection - http://www.privacy.ca.gov/res/docs/p...rityfreeze.pdf
Also noted on the Experian website - Security FreezeCan anyone see my credit file if it is frozen?
When you have a security freeze on your credit file, certain entities still have access to it. Your report can still be released to your existing creditors or to collection agencies acting on their behalf. They can use it to review or collect on your account. Other creditors may also use your information to make offers of credit – unless you opt out of receiving such offers. See below for how to opt out of pre-approved credit offers. Government agencies may have access for collecting child support payments or taxes or for investigating Medi-Cal fraud. Government agencies may also have access in response to a court or administrative order, a subpoena, or a search warrant.
A security freeze generally does not apply to circumstances in which you have an existing account relationship and a copy of your report is requested by your existing creditor or its agents or affiliates for certain types of account review, collection, fraud control or similar activities.