[vasco]

I disagree with this system, banks can instead require the exact same Auth process they'd use to unblock your "no credit" request when they want to start a new credit for anyone. Why would there be more checks to "remove block" than to "start credit"? I can think of one reason that's good for the banks.

The "locked" state should be the default, whatever extra checks they need to do to a person that has it "frozen", that should just be the default to start any credit!

If anyone has some dire need for easy credit all the time they can do the opposite and go to some "light checks" state like TSA pre-check.

[piva00]

In Sweden all banks require me to sign off credit requests through BankID as well, so the check can be performed but I need to ultimately sign it.