Originally Posted by m3113n1a1 (Post 3962739)

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.

Originally Posted by Valar Morghulis (Post 3962769)

There are 4 credit agencies. Be sure to do
a hard freeze with all 4.

Innovis is typically the one that is missed. Probably the worst one to miss because they are the ones who verify consumer data is correct.

Originally Posted by GutterGuard (Post 3962882)

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.

Originally Posted by m3113n1a1 (Post 3963128)

You shouldn't pay for it, just use credit karma or the free ones your credit card/bank provide.