Freezing credit is really the only defense most of us have against identity theft. The so called monitors just inform you after the horse has been stolen out of the barn. Better than nothing, but you still end up having to lock the barn. So why not lock it early?
The problem with credit freezes is that in most states they only apply to adults. Most states do not allow a parent to freeze their minor children's credit records. Thus, the bad guys are now zeroing in on our children and grand children. Often, the kids don't even know this is going on until they apply for credit at the age of majority and find out they have $50,000 in unpaid debt and several warrants out for their arrest.
The worst decisions are usually made in times of anger and impatience.