For privacy.com:
- great for anyone in the USA
- don’t worry about difficult subscription cancellations again, just turn that one’s dedicated card off
- I have personally blown past the daily spend limit of 250$ without issue, idk if that limit is real. The 1000$/mo may be though I’ve never hit that.
- I’ve used privacy.com for everything from Amazon to car insurance to gym memberships.
On credit freezes:
- a freeze means that your consumer report will not be shared, which means applications for credit in your name will be denied
- all USA consumer reporting agencies (data brokers) are legally required to freeze sharing of your reports for free upon your request
- you can temporarily unfreeze when you get a new credit card, apply for rental property, etc.
- don’t let them upsell it or try to direct you to another page with similar language, it is free
- credit monitoring products need to request your report to see if any new accounts have opened. Don’t monitor it, prevent it by freezing the reports
- freezes are required for any data broker, not just credit. This includes LexisNexis (job history), and presumably the ones that do rental and vehicle ownership history though i don’t know their names.
It at least used to be adaptive because at one point it went to 500$ for me, then changed back down a couple months later.