I recently received notice from a major company that my personal information (SSN, DOB, address, etc.) has been compromised. As such, I would like to put a freeze on my credit. However, I have no credit history, and am not planning to start building one any time soon. Can I still have a freeze put on my (lack of) files?
Jurisdiction Note: I am in California.
Experian attempts to explain this in context of freezing one's child's credit history1:
Having no credit report is better protection than having a credit report with a freeze. If an identity thief applies for credit using your children’s information, the lender will get a response indicating no credit report exists with those identifiers, and also may receive an alert that the Social Security number belongs to a minor.
That being said, I'm not a minor - and I don't see any reason why a thief couldn't apply for credit just because I don't have a current credit report.
Experian also states that2:
Some states now require that a credit report be created if none exists in order to add a credit freeze.
However, I have not been able to find any requirement for that in my state's credit laws.