Personally I'm considering locking down my credit reports. Having a credit card stolen is no big deal. Having my social security number stolen is a whole different story.
An article I read today (don't know the accuracy) said that you can sign up for the equifax credit monitoring and still opt out of their assholish arbitration agreement by sending them a snail mail letter. Details in this link: https://www.valuepenguin.com/2017/09...ax-data-breach