It doesn’t even suck that bad. Last time I had to unlock mine, I saw that the previous unlocking had been two years earlier. Each time I have to do it, I set an end date and it automatically relocks. Whole process takes maybe 10 minutes for the big 3 credit bureaus.
For a few months, I had been getting emails from booking.com saying that I had forgotten my password. Probably scammers with my Gmail username futilely attempting to use the forgotten password link to get at stored payment info. Once I set up 2FA on the account, the emails stopped.
They had been collected from various ISP provided modems and routers I’ve purchased over the years.