Group II — insurance coverage, i.e., medical, auto, life, renter's insurance (not payroll deducted); payment to child care providers — made to a business providing such services; school tuition; retail stores — department, furniture, appliance stores, specialty stores; rent to own — i.e., furniture, appliances; payment of that part of medical bills not covered by insurance; Internet /
cell phone services; a documented 12 month
history of saving by regular deposits (at least quarterly / non-payroll deducted / no NSF checks reflected), resulting in an increasing balance to the
account; automobile leases, or a personal loan from an individual with repayment terms in writing and supported by cancelled checks to document the payments.
A security freeze means that your credit file can not be shared with potential creditors or insurance companies; It can help prevent identity theft since most businesses will not open credit
accounts without checking a consumer's credit
history first; Once your
account is frozen, credit can not be granted until you unfreeze it — So remember my
cell phone story a moment ago?