I think they're limiting the timeframe to thirty days so they can make money on people unfreezing and refreezing their credit reports in the future. This is sle

I think they're limiting the timeframe to thirty days so they can make money on people unfreezing and refreezing their credit reports in the future. This is sleezy IMO and I'm not having any part of it. It's a creditor's responsibility to issue credit to the correct person. They are probably more worried about the data breach than consumers are. If a fake account is opened in my name, I'll send some scary letters [0] until it's resolved. I put a fraud alert on my credit report through Transunion [1]. They communicate the fraud alert to Experian and Equifax and creditors must contact me at a phone number I provided before they issue credit in my name. Though this is only for 90 days, it was free and can be extended. It buys me time to make a decision in the future, Japanese general style [0] http://www.kalzumeus.com/2017/09/09/identity-theft-credit-reports/ http://www.kalzumeus.com/2017/09/09/identity-theft-credit-re... [1] https://fraud.transunion.com/fa/fraudAlert/landingPage.jsp https://fraud.transunion.com/fa/fraudAlert/landingPage.jsp