Contributed by mm | August 4, 2004 02:57 PM
PST
CNN discussed a less-known channel to combat identity theft: security freeze. Residents of California and Texas can ask credit reporting agencies (CRAs) to block access to their credit reports until they contact the CRAs to unlock the files using a personal PIN. According to CNN, only 2,000 Californians and 150 Texans have signed up for this option. CNN attributed it as a result of lack of promotion from the CRAs' end. Also according to the report, the freeze/unfreeze action will cost consumer $8-$12 per CRA. To be clear, this price level is prohibitive to me; if I need to apply for credit twice a year, it will cost $10 * 2 * 2 * 3 = $120 a year ($10 per action, two actions freeze/unfreeze per credit check, two credit checks per year and three CRAs), or much more than enough to get some commercial credit protection programs (which themselves are costly in the first place). Until the cost can be reduced to $1 or $2 per action, and the process can be streamlined, I don't think many people will try this new service. 
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Another 0.25% Rate Increase and How It Will Affect You (August 11, 2004)
As many people expected, Fed raised short-term interest rate target again by 25 basis points to 1.50%, and this should push the prime rate to 4.50%, which will subsequently affect many of us who have a variable-rate component in our financial life. Read
Phishing Is Becoming Epidemic (August 10, 2004)
On month ago, I didn't even know "phishing" is a word; Merriam-Webster Online doesn't think it is a word either and proves I was not too ignorant. Nevertheless, we'd better know its existence now so that we can avoid becoming the next victim. Read
Real Credit Card Debt (August 01, 2004)
An interesting discussion from CardWeb on American's real credit card debt: excluding the amount that is paid off every month, each man, woman and child in this country owes $2,027 revolving credit card debt on average, compared to $1,100 for Brits and $675 for Aussies. Read
Gasbates (July 31, 2004)
If you don't have a credit card with rebate on gas purchases yet, take a look at this nice round-up from CardWeb on gas-rebate cards. Don't bother to change shifts to neutral at stop to save a few drops of gas; having 5% cashback on ... Read
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