OT: what is the best legit credit monitoring service??

[jtbvol]

anyone know best legit credit monitoring service and are they really worth it and successful?? had someone apply for loan using my personal information -- trying to be proactive and stop further problems and certainly before they are successful -- anyone had this happen before?? --- I know hundreds of these credit monitoring services exist -- but didn't really know best service to possibly go with

 

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