21
What do you think of free credit monitoring they offer after a breach? (moist.catsweat.com)
submitted 1 month ago by HubertManne@moist.catsweat.com to c/privacy@lemmy.ca
8 comments fedilink hide all child comments

So here is the thing. Given the Eqifax breach I kinda feel like giving yet another agency to much information for them to monitor your credit is just another source of a possible future data breach.

you are viewing a single comment's thread
view the rest of the comments
[-] Preflight_Tomato@lemm.ee 6 points 1 month ago

Freeze your credit report sharing with all major consumer reporting agencies when not applying for new credit. Without reports, lenders won’t grant new lines of credit in your name. It’s free and timely, as required by US law.

Credit monitoring companies just run credit checks, which they can’t do with your credit frozen. Check your credit every 3-4 months yourself at annualcreditreport.com (proof of legitimacy).

Don’t stay informed of breaches, prevent them.

[-] sugar_in_your_tea@sh.itjust.works 1 points 1 month ago

Exactly:

  • keep credit reports frozen
  • use a password manager and random, long passwords (and ideally usernames too)
  • use MFA/2FA where available

If you do that, you'll prevent the vast majority of problems.

Credit monitoring services just alert you when something bad happens, which means you've already gotten screwed. And honestly, you probably don't need to check your credit report that often, once a year is probably fine, provided you've frozen everything already.

this post was submitted on 22 Sep 2024
21 points (100.0% liked)

privacy

2976 readers
1 users here now

Big tech and governments are monitoring and recording your eating activities. c/Privacy provides tips and tricks to protect your privacy against global surveillance.

Partners:

founded 2 years ago
MODERATORS
Kokomheart@lemmy.ca
QuentinCallaghan@sopuli.xyz
altair222@beehaw.org