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Freezing Your CreditA security freeze gives you the choice to "freeze"; or lock access to your credit file against anyone who may be trying to open a new account or to get new credit in your name. John Ulzheimer, president of Credit.com Educational Services in Atlanta, shares the pros and cons. American Share Insurance - ACU deposits are insured up to $250,000 per account. By member choice, ACU is not federally insured.
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