It doesn't sound like it will help very many people. And that's the bottom line.

If it's worth some peace of mind for some people, for $25 a year, I'm not going to tell you not to do it.

Their score is based on their sloppy credit reports and doesn't fix the underlying problem with the reports.

You don't need to spend $79 or more to monitor your credit. It's a gimmick designed to inflate the revenue at the bureaus. It's not going to prevent ID theft. It may give you a little bit of early warning. But it doesn't matter enough for you to pay that amount of money.

We've seen some slight improvement ... but we are finding too many playgrounds that are unsafe.

It is outrageous that inaccurate credit reports could damage one in four consumer's ability to buy a home, rent an apartment, obtain credit, open a bank account, or even get a job.