> now i have free credit monitoring
Might not even matter ...
"TransUnion and Experian, two of the three major credit bureaus, have started dismissing a larger share of consumer complaints without help since the Trump administration began dismantling the CFPB."
https://www.propublica.org/article/credit-report-mistakes-cf...
How much money did the CFPB actually give back to wronged consumers?
It's not like they were really doing a very good job anyway. My data has been leaking for two decades now.