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2. What is credit monitoring? - AOL

   www.aol.com/finance/credit-monitoring-212027215.html

   A credit monitoring service can help you identify and reverse unauthorized changes to your credit report. Your credit card may offer this protection as a free benefit, or you may prefer to pay for ...

3. How To Freeze Your Credit If Your Information Was Leaked - AOL

   www.aol.com/freeze-credit-information-leaked...

   One of the best ways to do this is through a credit freeze, which limits access to your credit reports. ... take out loans or open credit cards, since the freeze locks the data at the consumer ...

4. Here's how to freeze your credit after Social Security number ...

   www.aol.com/heres-freeze-credit-social-security...

   Freezing your credit is one of the best ways to combat identity theft — and it's free to do. Security experts are advising all Americans to take a few minutes to complete what they deem an ...

5. What does it mean to freeze your credit? - AOL

   www.aol.com/social-security-number-may-exposed...

   The easiest way to freeze your credit is online through each credit bureau's website. While freezing your credit is an easy process, it takes some time -- especially the first time you do it.

6. Credit freeze - Wikipedia

   en.wikipedia.org/wiki/Credit_freeze

   The first state to pass a credit freeze law was California, with SB 1386 sponsored by Debra Bowen in 2002, effective 2003. [17] In late 2007, all three of the major credit bureaus (following TransUnion's lead) announced that they would let consumers freeze their credit reports, regardless of the state of residency. [18]

7. Subprime crisis background information - Wikipedia

   en.wikipedia.org/wiki/Subprime_crisis_background...

   Home loans are often packaged together, and converted into financial products called "mortgage-backed securities". These securities were sold to investors around the world. Many investors assumed these securities were trustworthy, and asked few questions about their actual value. Credit rating agencies gave them high-grade, safe ratings.

8. Does Freezing Your Credit Affect Your Credit Score? - AOL

   www.aol.com/does-freezing-credit-affect-credit...

   You can freeze or lift the freeze on your credit report for free by contacting each of the three major credit reporting agencies, Equifax, Experian and TransUnion, and you can submit your request ...

9. Government policies and the subprime mortgage crisis

   en.wikipedia.org/wiki/Government_policies_and...

   One study, by a legal firm which counsels financial services entities on Community Reinvestment Act compliance, found that CRA-covered institutions were less likely to make subprime loans (only 20–25% of all subprime loans), and when they did the interest rates were lower. The banks were half as likely to resell the loans to other parties. [114]