Easy, cheap, and scalable. There really is, as far as I know, no way to cheaply verify identify of millions of people, particularly over the internet or the ph

Easy, cheap, and scalable. There really is, as far as I know, no way to cheaply verify identify of millions of people, particularly over the internet or the phone. These questions don't actually do that, but they probably put up a good enough show for regulators and the law. At the end of the day, that's all these companies want. Also, credit card companies are incompetent. I've have many variations of my name on my credit reports. Infuriatingly, one of them is (my first name) NULL (my last name). The credit reporting agencies refuse to remove it because some creditor keeps reporting it. They also refuse to tell me which creditor.