When to Say "Freeze!"

Some states allow you slam the brakes on information from credit bureaus. But how do you know you're not overreacting?

Talk about an unwelcome call. When I heard the telemarketer's voicemail, I freaked out. It said that since I held more than $2,500 in debt, I was eligible for credit counseling services. There was only one problem with the pitch: I don't have any debt. The next day I called the company to find out how they had arrived at their conclusion about me, but their customer service rep didn't give me a specific explanation.

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