Don't disagree just some more thoughts. The risk to the greatest number of people is the increase in interest rates if the lenders do not have the same level o

Don't disagree just some more thoughts. The risk to the greatest number of people is the increase in interest rates if the lenders do not have the same level of trust in the credit reporting companies. 1% over 30 years is a lot. Secondly, just taking preventative measures for say 10 years of credit monitoring, from not the company that leaked your data, would cost 15x12x10 $1800.