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Old 01-20-2008, 10:15 AM
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Default How to Lock Your Credit Report & Why You Want To
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When you (or an identity thief) attempt to open a new credit card account, the financial institution you apply to has to check your credit report. They use your credit report to determine how likely you are to pay back the money you borrow, and use this information to decide whether or not they are able to issue you a card.

If you have a credit lock on your account, the institution will not be able to see your report at all. If they can't see your report, they can't open a new account in your name.
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