My wife has frozen her credit (as have I). She applied for a new credit card. The credit card people need access to her credit file so she called Equifax to get a 24 hour credit unfreeze. They asked her all those self identifying questions… twice… Name, rank, serial #, address, zip code, social sec #, date of birth, sent a code to her cellphone, then asked her questions about loans and accounts she has. She asked, What about this 10 digit PIN I was given when I froze my credit? This was the ultimate and obvious way to make sure that only the person who froze could unfreeze. They don’t use the PIN any more! I couldn’t believe it!