[Porsche-O-Phile]

Yea I think both would be prudent although in response to the point above if you do a fraud alert it's supposed to be automatic to all bureaus.

This isn't a bad thing if it decreases America's over-reliance on banks and credit too. The whole system is so ridiculous and so badly managed / regulated maybe there will be an upside to this. We could certainly do with people "living within their means" more anyway.