Someone kindly raised this issue in another context on another thread; I don't recall which one though, so I'm starting a new thread.
I've been doing some research on what we'll need to do to protect ourselves after the Equifax hack and their lack of diligence in addressing it, and am thinking about getting a credit monitoring service.
Does anyone use this, and if so, which one? How often do you get reports? Has the service ever notified you of hacks, or of fraudulent activity? What are the monthly costs? Do they require you to pre-authorize monthly charges?
I had a trial monitoring service several years ago but it didn't provide much, although presumably that would be good b/c it didn't notify me of any breaches.
What I'm really wondering is if anyone has ever been notified of a breach, of fraudulent activity, and if anyone's who's had a monitoring service finds it worthwhile. Or is it just a waste of money, playing on consumers' fears of credit being breached?