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Credit Freezes Proposed Deterent to ID Theft

By Chris Jay Hoofnagle, associate director of the Electronic Privacy Information Center, Putting Identity Theft on Ice: Freezing Credit Reports to Prevent Lending to Impostors.

  • “This article argues that the third actor, credit granting institutions, are culpable for a large number of identity theft cases. Institutions enable identity theft by maintaining lax credit granting practices, ones that make it easy for impostors to get credit in victims’ names…This article proposes a fix to address lax credit granting practices.”
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