it was relatively simple to do the credit freezes. i think all of their systems are now working. If you did it right away you would have been pretty disappointed with errors or being told you have to send in a copy of your ID or stupid stuff like that.
But the system needs to change. How about this? Automatically freeze everyone’s credit now. If you need to get a credit card or a loan, you’ll get a phone call to validate it’s you opening the line of credit and it unfreezes for just that specific transaction. How hard is that? Sure, it could still be hacked, but it’s at least closer to a two step authentication. The user could have a secret pin or something, too. So the process takes longer and you can’t get a loan right on the spot. I think we can figure out how to deal with that.
