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I've heard that those credit monitoring plans are a joke, and provide very little value besides the simulation of "doing something."

They just tell you after the fact that a new credit line has been established. It's still on you as the consumer to go prove that it wasn't you and that you didn't open it...

And guess what, the same questions that they ask you to prove you are who you say you are, are the ones that have likely been stolen!

Lifelock themselves were subject of a data breach in 2015.

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