Reported difficulties getting help on Equifax's phone lines
&gt; I could set up a 90-day fraud alert that would force creditors to call me — at a number of my choosing — before agreeing to open any new accounts in my name.<p>This should be the default, for everyone, for free. If banks don&#x27;t want to do the bare minimum to verify your identity, the liability for identity theft should be on them and not you.