<prompt> Human: So I immediately froze all my accounts through Equifax, Experian, and TransUnion after the Equifax hack. I figured I had a car already, fiance bought the house, credit cards were open - I would have no need to open an account for quite awhile. So I was obviously very alarmed when my capital one credit monitoring alert went off today stating I have a new account.I take a look and its a Home Depot credit card account - this actually makes sense since I was added as an authorized user on my fiances credit account with them. But shouldnt that not have been able to get through? What real protection is there with a credit freeze if a new account was still processed?  <response>: Youre just an authorized user, meaning youre not liable for these charges and no line of credit has been opened in your name. All this really means is that account will be reported on your credit. 