I do not want a credit card to be issued in my name ever, can I Block credit for my name and SS#?

Question

I have never had credit and never want it. I would like to protect myself from fraud without having to call every bank, retailer or credit to cancel my credit. And if I have to sign up for a service that protects me, my children and my wife it will cost me more than my existing health insurance!

Answer 1

You cannot block credit for your name because there are others who have the same name as you.

You can request a freeze on your credit file.  This effectively blocks credit for your social security number.  It is not permanent.  You would have to redo it every few years.

Answer 2

Go to the 3 credit bureaus and put a freeze. It' cost about 10 bucks apiece.