Freezing your credit at the three afore mentioned agencies will have no effect if "whomever" doesn't run a credit check...like running up charges on an existing CC. Don't worry, both Visa and Mastercard will reimburse any fraudulent charges...it's part of their "cost of doing business". I still highly recommend it...no one can "open" a new card, get a phone in your name, etc.
ps: additional bonus...it did cut down on the junk mail CC offers etc. from filling up my mailbox
