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I'd appreciate advice from someone in the know about credit monitoring/repair services. There are so many and little credible information available about their capabilities and performance. If you have experience with this who do you recommend?

I've been caught up in the DOD breech, this Equifax incident and a couple smaller ones. I'm not interested in pinching pennies here; I want good results.



IMHO - credit monitoring has limited utility. While it can help you identify issues more quickly, it's still after the fact. For that reason, I bought the family a Zander Insurance plan. If you get hacked, they handle the fix (including outreach to the credit bureaus) and cover your expenses. This year they also added some credit/identity monitoring features and wallet replacement. I've not yet had to use them, but the service makes a lot of sense to me.

https://www.zanderins.com/idtheft2


Just freeze your credit. It cost a couple dollars, but worth it. It is a hassle to unfreeze sometimes, but worth it.

https://www.consumer.ftc.gov/articles/0497-credit-freeze-faq...




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