Windows Mobile 10 prevents those forgetting their passcode from getting locked out for days

Issues with a Windows Phone passcode won't lock you out for days anymore
Enter an incorrect passcode on your Windows Phone over and over again, and you could have a big problem on your hands. As a security precaution, you are locked out of your handset starting at a few seconds and eventually working up to a few days. The problem is that someone could lock you out of your handset for days as a joke.

It's a rather nasty trick to play on someone. By a show of hands, how many of you have pulled off this stunt before? By a show of hands, how many of you actually raised your hand? Before we go completely off track here, there is some good news from Microsoft as Windows 10 Mobile is changing things up when it comes to incorrect passcode submissions.

With Windows 10 Mobile installed on your phone, you will get four attempts at entering the correct passcode. After those four tries, you will be asked to type in a challenge phrase (A1B2C3)  before getting one last shot at entering the correct passcode. If you enter the challenge code correctly but flub up the passcode again, Windows 10 Mobile won't give you another chance. At that point, you will be locked out and forced to reset your passcode, which you can now do from your Microsoft account. The whole process is easier and will save you from having to perform the dreaded factory reset.

source: Neowin, WMPoweruser

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