[heartbreak]

The issue of course being that credit reporting agencies are in close company with credit issuing agencies. When someone wants a loan right now the lender doesn't want to wait for snail mail because the purchaser will change their mind. So if the credit reporting agency starts sending out snail mail forgot-your-pin resets, the lender will start using one of the other credit reporting agencies.

[tyrust]

Good point. Perhaps regulation would be needed to enforce uniform policy.