This is some kind of a bad joke right??
We should not have to pay a third party to do this on the first place. What is needed is a class action law suit against the credit reporting agencies for not properly verifying the ID of the party requesting credit in the first place.
We do not have a problem with ID theft because of the Internet we have an ID theft problem because we simply make it to easy to extend credit.
The game for these guys is the lowest possible cost per transaction and anything that would make the transaction more secure impacts that cost - the rules of the game need to be rewritten.