rb99:Then they want my secret code / secret questions. You don't think maybe if I can't remember name or password I'm not going to remember those either ?
They're not secrets, they're pseudo-secrets that you don't forget like where you were born or your dog's maiden name, the sort of compromise-authenticator that anyone with access to LinkedIn and Facebook can bypass within a few minutes.
Just for reference, my dog's maiden name is 87sygf7dfygu and it changes every ten minutes.