Interlude: I want to die free--no credit, no usury, no debts

...the borrower is servant to the lender.
Proverbs 22:7

I want to die free, not like some kind of homeborn slave. A woman in a store once asked me if I wanted a store credit card. I said, "No." She then began to tell me the benefits of the store credit card. I abruptly interrupted her and said, "I HATE credit." She understood.

One day I went to the bank for routine business. The banker tried to tell me about some kind of loans they offered. I gave her my same "I hate credit" speech or some variation thereof.

I HATE credit/usury.

I saw somewhere that you can get a free copy of your credit report once a year from each of the three credit reporting agencies. These agencies freely give out your own personal information without your permission. I ordered and received the reports. Way in the back of each package it says that you can get a Security Freeze on your file*.

*It is so good to read your documents and whatever you are signing. The Bible says to be diligent to know the state of thy flocks. I have no sheep, but I need to know what is going on with ALL of my affairs.

A Security Freeze basically puts a lock on your credit report file. No one can get in without your express permission and you actually lifting the freeze on your account. With a Security Freeze, the credit reporting agency must STOP, DESIST, CEASE, AND HALT FROM HANDING OUT YOUR OWN PERSONAL INFORMATION THAT THEY HAD NO BUSINESS KNOWING IN THE FIRST PLACE AS FAR AS I AM CONCERNED. The curious thing about this Security Freeze is that, depending on the state, the consumer may have to pay for it. It is a nominal fee and yet a fee to stop someone from doing what you did not want them to do in the first place with your own personal information.


I don't know if the following right applies to every state, but it applies to many states. An excerpt--

You have a right to place a security freeze on your credit report. The security freeze will prohibit a consumer reporting agency from releasing your credit report or any information derived from your credit report without your express authorization. The purpose of a security freeze is to prevent credit, loans, and services from being approved in your name without your consent....

A security freeze has to be done with each credit reporting agency separately. A small fee may be required.

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