Why YSK: Locking your credit with the main 3 places is not enough.
https://innovis.com/ have grown enough to require locking as providers are using them as a single check source.
There’s also https://www.chexsystems.com/ which many banks use for opening checking accounts. They’re unique because they handle accounts that don’t show up in a credit report.
There are actually hundreds. It’s only important when one gets big enough that they become a single check point, instead of a secondary or backup.