I think they do have the ability. I don't think it has to just rest on the credit bureaus. I think they have the ability, because they are running those algorithms. Your credit card is declined if you forget to tell them. If they have what we call the false positives of stopping people, then they should have the ability of flagging the real fraud as it occurs and being a lot more responsive.
Everybody who has been through this with their bank knows that the banks are incredibly cagey with you. You often want to know where you went, what you did, what happened, what store it was. You will never get that information from your bank. They say that for security concerns, they don't want to—