Larry recently has had websites ask him security questions from some third party database. He's concerned because he's being asked these questions on sites that shouldn't have information on him already. Leo says that financial transactions and other personal information will be pulled by credit reporting agencies to verify you are who you say you are. Larry is concerned because of errors on his credit report, and worse, it gets people used to having their personal data as public information. Leo says it's always been public information, and that's what makes it a terrible foundation for security.