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What do you think of free credit monitoring they offer after a breach? (moist.catsweat.com)

submitted 1 month ago by [email protected] to c/[email protected]

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So here is the thing. Given the Eqifax breach I kinda feel like giving yet another agency to much information for them to monitor your credit is just another source of a possible future data breach.

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[–] [email protected] 5 points 1 month ago (1 children)

Freeze your credit report sharing with all major consumer reporting agencies when not applying for new credit. Without reports, lenders won’t grant new lines of credit in your name. It’s free and timely, as required by US law.

Credit monitoring companies just run credit checks, which they can’t do with your credit frozen. Check your credit every 3-4 months yourself at annualcreditreport.com (proof of legitimacy).

Don’t stay informed of breaches, prevent them.

[–] [email protected] 1 points 1 month ago

Exactly:

keep credit reports frozen
use a password manager and random, long passwords (and ideally usernames too)
use MFA/2FA where available

If you do that, you'll prevent the vast majority of problems.

Credit monitoring services just alert you when something bad happens, which means you've already gotten screwed. And honestly, you probably don't need to check your credit report that often, once a year is probably fine, provided you've frozen everything already.