^^^^ THIS I froze my credit (and wife's) two years ago and never looked back. I've had to thaw them a couple times for mortgage refinancing, but that's it. And in NC, setting the freezes and thawing are free, so no costs to me so far. Credit monitoring : "We'll tell you after you've been robbed" Credit freeze : "You can't get robbed" "Robbed" in this case means having someone else open a new line of credit in your name and then pollute your credit history. None of these measures will protect you from someone abusing an existing line of credit, so always check your statements!

yes... because ATM's never fail.