Do you REALLY need those identity theft programs?

 “The FTC and Consumer Fraud Protection Bureau have fined Equifax, Experian and TransUnion (the credit bureaus )for deceptive marketing of these overpriced and generally unnecessary products”.  Keep your money and instead freeze your credit - it’s now free to do so (although it’s still a pain as you have to unfreeze it every time someone wants to check your credit.  My last encounter was when I switched carriers for my cell phone).  

It’s worth it to me for my peace of mind.  Arizona where I live does NOT allow consumers to sue the credit bureaus, only the Attorney General can do that.  After the Equifax fiasco I wanted my info protected so I chose to free my accounts at all 3 credit bureaus.