Credit Bureaus are ripping us off

Saw an ad today from a credit bureau offering both credit monitoring and identity theft protection services.

So instead of making access to our credit reports more secure (making it harder for someone to steal our identity),  they charge us protection money.

Seriously,  how hard would it be to set up a system where when someone checks your credit,  you get an instant alert and an opportunity to approve or decline the request?

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