> So why can't I have a mobile app (or three) for free that allows me to easily lock and unlock my file or, better yet, to vet every inquiry and approve it or n

> So why can't I have a mobile app (or three) for free that allows me to easily lock and unlock my file or, better yet, to vet every inquiry and approve it or not? Indeed. This is now no longer something that would be nice to have; it's the only way the system can possibly work. If a credit agency can no longer verify your identity by asking you questions about your history -- the criminals now have all that information -- there's going to have to be another way. Sounds like a great YC application! Someone should do it!