Ask HN: What credit monitoring service(s) do you use?
Given what has happened with Equifax, I don't know if I should trust their free credit monitoring product offering. Is there a product that you suggest for credit monitoring? What do you use?
Just freeze your file at all the firms, and you'll prevent those loans from even being given out under your identity (well, except for shady places that don't check anything, but there is no way to 'protect' against those anyway).
Credit monitoring is only useful in that it will tell you when someone opened an account in your name. The damage is done: resolving the issue will take tens of hours of your time.