So, just out of curiosity, how does a consumer properly identify himself to request one of these freezes? (or, probably more interesting, an unfreeze :-).
How long will it be before we see malicious "denial of credit" attacks? (At least there isn't a lot of profit to be made from denying credit, so instead of organized crime, we'll only get mindless vandalism, messy divorces, and political tricks on your opponents as sources for these attacks).
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