Originally Posted by
m3113n1a1
Everyone should have some sort of credit monitoring or at least use credit karma for it. Also everyone should have their credit frozen both at the major bureaus AND the smaller ones that payday loan companies and apartment leasing companies use. Plenty of people rent apartments in other people's names using their credit and then eventually get evicted ruining your rental history.
Why do you need credit monitoring if your credit is frozen? Credit monitoring is a scam, my brother. Every reputable bank or credit card offers "credit monitoring." It's totally meaningless. They can't truly monitor your credit if no one has access to it.