>"Placing a freeze should be fast and relatively easy, although you will have to sign up for separate ones at each of the three credit bureaus." This is so bro

>"Placing a freeze should be fast and relatively easy, although you will have to sign up for separate ones at each of the three credit bureaus." This is so broken. Freezing your credit at one should automatically freeze your credit at all of them. This functionality already exists for providing a 90 day lock on your profile. Making people jump through 3 sets of hoops to freeze and unfreeze their credit is a joke. I'm guessing this was law makers capitulating to the will of the industry instead of the consumer. Sadly no surprise there. >"If the credit bureaus cannot sufficiently verify your identity based on the information you've provided, you may need to mail in copies of your driver's license, utility bills or other supporting documentation to validate your identity and execute a freeze." What constitutes "sufficiently" can be arbitrarily obscure. Examples of this include. The number of a landline you had 20 years ago, the zip code of a company that bought a now defunct company you used to work for. Your only recourse is snail male and making photocopies of sensitive documents and mailing them to a P.O box somewhere. These same "verification" systems also randomly report failure during the process leaving the consumer with no choice but to snail male. "We want to make it is as simple as possible to access that freeze, but we want to protect you at the same time," Experian's Griffin said. "We need to strike that balance." This is nonsense and nobody believes this for a minute. This shady industry finally got called to account albeit in a quite limited way and they will do everything possible to make this as inefficient as possible. There may be a law on the books now that they can't charge but there is no law that says these systems need to be maintained, verified to be working or efficient.