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I finally bought a $35 annual credit monitoring service after years of winging it
Back in the day I used to just check Credit Karma once a year and call it good, but after a mysterious $200 collections hit showed up on my report from a gym membership I supposedly canceled in 2019, I realized I was playing with fire. That little alert caught a fraudulent credit card application opened in my name just 2 weeks after I signed up, saving me from a massive headache. Has anyone else had a cheap monitoring service actually pay off big time like this?
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jamiegreen5d ago
Dude right? I used to think monitoring services were just a scam to take your money. Told myself I'd catch stuff myself. Then bam. Some rando opened a phone plan in my name at a T-Mobile in Arizona. I don't even live there. $35 a year beats spending hours on the phone with fraud departments. Cheap insurance really. You got lucky catching that credit card app so fast that's a win.
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