Monitoring sucks. Freeze your credit (don't just lock it) until it's absolutely needed, then refreeze it. This will choke off much of the business of credit bur

Monitoring sucks. Freeze your credit (don't just lock it) until it's absolutely needed, then refreeze it. This will choke off much of the business of credit bureaus, but too bad so sad. There are a number of interesting approaches to solving the same problems as credit bureaus (risk assessment, identity verification, etc.) that don't carry as much consumer risk as the big three bureaus do every single day.