The credit industry, including the three credit reporting agencies, credit card companies, and banks, created a system that puts all of us at high risk for identity theft. If we experience identity theft, it may costs us thousands of dollars to undo the damage. Meanwhile, we could have our salaries garnished and lose our homes. Now the credit industry has the unmitigated gall to offer to protect us from identity theft for a monthly fee!! So, they charge us for protection from a threat that they themselves created. Does this remind anyone of Al Capone et al? He charged business owners protection money so that his thugs would not burn down their businesses or murder their customers. The credit industry is no better. Considering that the credit industry created the risk of identity theft, obviously they should provide totally free protection from the risk. Moreover, we are forced to use credit even if we neither need nor want credit. Unless we have a credit rating, we are over-charged for auto and home insurance. Without a credit rating, we may even be rejected from a job or turned down if we want to rent a home. It's a racket created by the credit industry, and they have us cornered.