I just froze my credit report on all 3 US credit reporting agencies and—dear gourds—that was a difficult 2 hours of my life as a US American-Swede living abroad.
They do not like access from outside the US and they also do not like VPNs. It is a continuation of the US policy that the only Americans who want to live abroad are terrorists or tax evaders.
An estimated 10 million US Americans live abroad. That is more than the population of 40 US states.