Hi Anne.6,
First of all congratulations on your problem being solved, then I'm going to give you a brief introduction to the "challenge phrase".
"Challenge Phrase" is a new approach taken by Microsoft to thwarting brute force attacks or cyber trespassers. In general, the verification of the challenge phrase occurs only after lots of failed PIN code logins. This attack is because there are a large number of identical passwords or PIN codes, they through a amount of attempted logins, occasional successful logins have been achieved.
So we recommend that you change your password and PIN in time, and develop a good habit of changing your password regularly.
I wish the above will be helpful to you. Please feel free to let me know how it goes, and I will do my best to help you.
Best Regards,
Mosken - MSFT | Microsoft Community Support Specialist
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