Thank You for Calling Equifax. Your Business Is Not Important to Us

Credit monitoring in the U.S. is a nightmare. It only took a massive public data breach to make that clear.
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Photographer: Getty Images

You shouldn’t need to do a damn thing to keep your credit information safe.

We’re all accustomed to the busywork of managing personal finances. You check your 401(k) retirement account, making sure your portfolio is carefully balanced. You scan your bank and credit card statements from time to time to verify the charges. These are things responsible people do.