Site: nolo.com
... Now, however, thanks to the federal Economic Growth, Regulatory Relief, and Consumer Protection Act ( ... Contracts often have terms that aren’t favorable to the consumer, like arbitration clauses that ... a thief fraudulently accesses your credit file while a freeze is in place, you’ll have better protection ... Ultimately, state law will provide you with stronger protections than a contract that the credit bureau ... Whatever identity theft protection method you pick is entirely up to you, but no matter what you choose ...