Just learned that in Australia you can only put a ban on your credit for 21 days, and to extend it you need to prove you've been, or are likely to be, a victim of identity fraud.
This seems really dodgy to me. There is no reason that people should be able to access your credit info without your approval. They should need to ask every time. It should always be locked.
But don't worry, if you ever are a victim of fraud, it will be somehow your fault, for not being personally aware of the location of every single piece of data about you.
It will never be blamed on, say, Equifax or Optus for having terrible security and refusing to delete data they no longer need. Or the banking system for refusing to check account names. Or politicians for refusing to learn anything about the laws they pass.
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