[DETRoadster]

Curious about people's thoughts on how best to protect their credit. After the big Experian data breach back in 2017, my wife and I paid to lock our credit down with each bureau. Cost us a little bit of money which sucks but whatever. We only ever apply for credit when getting a new car which is maybe every 5 to 7 years. Haven't needed any new credit since we locked ours down. So, long story short, it's been all good.

My wife got a letter in the mail today saying her application for a PayPal credit card had been denied because her credit is on lockdown. Of course, she never applied for a PayPal card. So someone is trying to open credit in her name and the freeze did its job. Great. But now what?

Question is, can we sit back and feel good that the attempt was thwarted? Or is there still risk? Should we be doing more like signing up for a monitoring service?