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Better to freeze. Credit monitoring just gives you quicker notification that you've already entered a huge world of hurt. The fraudster has successfully struck,
by drfuchs 8y ago
Better to freeze. Credit monitoring just gives you quicker notification that you've already entered a huge world of hurt. The fraudster has successfully struck, and now you have to go to work to undo the damage, which can be a years-long nightmare. ("Well, it shows here that you bought a truck and stopped paying. Not you, you say? Prove it! Oh, and until you do, don't expect to have good credit. Maybe never, actually.")
- reaperducer 8y agoCredit monitoring just gives you quicker notification Define "quicker." I got the credit monitoring from Exerpan after its data breach. Since then, I've had my credit run twice. Both times were initiated by me, so I know when it happened. Both times, I received a notification by e-mail SEVEN DAYS later, followed by a text message a day after that. Seven days is plenty long enough to destroy someone's finances.
- cesarb 8y ago> Well, it shows here that you bought a truck and stopped paying. Not you, you say? Prove it! Shouldn't the burden of proof be on them to show that you bought the truck? If their negligence actually prevented you from obtaining credit, shouldn't it be easy to get damages in small claims court?