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All the major breaches and all the credit surveillance packages being offered

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It seems like many folks are either in a state of disbelief or a state of indifference with regard to the breaches, namely the Equifax breach, among others.  So, 143 million were impacted and our population is now probably around 325 million.  When you remove the under 21 crowd, the elderly on limited incomes who aren't doing much with credit, and folks who don't have much input into their credit reports because they don't use it, that's almost all Americans between 30 and 70.  Their investigating the situation was big news at the very beginning but I haven't heard much about it.  I don't believe that the company's stock took much of a hit.

Then, on the heels of that, there's a bunch of marketing of credit surveillance products.  There are two big names which come to mind are LifeLock and ProtectMyID.  And I'm sure there are others.

Any thoughts or theories about this?  Most homeowner and rental policies offer a baseline of protection.  Ones with higher levels of indemnification require a monthly fee.  The timing of it seems weird, as in "for every action there's a reaction."

What are most people doing?  What do financial professionals recommend?  Is one of these companies sort of the gold standard over the others?  And, then there's the option of locking and/or freezing credit.  This sounds simple but really isn't, since there are 3 major bureaus.  The FTC has a webpage dedicated to the situation. 

What do you all think?


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