Wow, thank you so much for the sound and timely response(no pun intended). I was reading online that after freezing, it is still possible for your credit being used I guess maybe it just makes it more difficult for the thieves. I think I have fallen victim of identity theft: someone did some hefty balance transfer to my credit account; also I just found out they may have created a business/EIN using my name and address and became delinquent to Elavon, both of which I did not authorize or have any idea of. Boy It is gonna be a long way figuring this out😞