# Yikes! Freezing credit may not be as foolproof as hoped

**URL:** <https://community.clark.com/t/yikes-freezing-credit-may-not-be-as-foolproof-as-hoped/6397>\
**Category:** Uncategorized\
**Created:** [October 23, 2024, 4:38am UTC](https://community.clark.com/t/yikes-freezing-credit-may-not-be-as-foolproof-as-hoped/6397 "2024-10-23T04:38:33Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![AustinBonds](https://avatars.discourse-cdn.com/v4/letter/a/6bbea6/32.png) [@AustinBonds](https://community.clark.com/u/AustinBonds)\
**Post date:** [October 23, 2024, 4:38am UTC](https://community.clark.com/t/yikes-freezing-credit-may-not-be-as-foolproof-as-hoped/6397/1 "2024-10-23T04:38:33Z")

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[Credit freeze lifted by thieves using Experian phone support : personalfinance](https://old.reddit.com/r/personalfinance/comments/1g97ngh/credit_freeze_lifted_by_thieves_using_experian/)

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**Author:** ![glasspilot](https://avatars.discourse-cdn.com/v4/letter/g/eada6e/32.png) [@glasspilot](https://community.clark.com/u/glasspilot)\
**Post date:** [October 25, 2024, 11:39am UTC](https://community.clark.com/t/yikes-freezing-credit-may-not-be-as-foolproof-as-hoped/6397/2 "2024-10-25T11:39:09Z")

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And that’s the problem when they did away with “Pins”! Remember Clark always talked about pins and TO NEVER LOSE them! Well, people will be people and they would lose their pins and then call up and start crying. So no more pins. Amazing!

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**Author:** ![ochotona](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/ochotona/32/293_2.png) [@ochotona](https://community.clark.com/u/ochotona)\
**Post date:** [October 25, 2024, 12:29pm UTC](https://community.clark.com/t/yikes-freezing-credit-may-not-be-as-foolproof-as-hoped/6397/3 "2024-10-25T12:29:08Z")

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If you gave people a time and date and place to come and get $10,000 in cash, and it was more than a year in the future, most of them would not show up

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**Author:** ![RasputinII](https://sea2.discourse-cdn.com/flex016/user_avatar/community.clark.com/rasputinii/32/334_2.png) [@RasputinII](https://community.clark.com/u/RasputinII)\
**Post date:** [October 25, 2024, 9:27pm UTC](https://community.clark.com/t/yikes-freezing-credit-may-not-be-as-foolproof-as-hoped/6397/4 "2024-10-25T21:27:05Z")

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The liable party in this event is the credit agency because of their failure to correctly identify the person calling.

The agency should go to [passkeys](https://www.vox.com/technology/379394/fido-alliance-guidance-passkeys-death-of-the-password).

A fraudster who wants to sign in to my Clark Howard account has to have my phone and finger print in their possession.