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The best way to counter this nightmare letter is to freeze your credit. It works better than monitoring, imho. You switch from opt-out to opt-in. It should b
by mycall 9y ago
The best way to counter this nightmare letter is to freeze your credit. It works better than monitoring, imho. You switch from opt-out to opt-in. It should be the default for most people. It takes a little planning to grant individuals access to your credit file.
- ctphipps 9y agoThe fact that the credit reporting agencies can (and do, when not prohibited by state law) charge a fee for each freeze and unfreeze event is what prevents me from doing this. While the fee isn't expensive compared to dealing with the ramifications of ID theft, it's the principle of paying the data guardians to guard my data better that I object to. Especially when I have no choice (assuming I want to live a modern life) but to have them manage my data.