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I see the points the other two responders make. However, I have LL. and am happy to have it. I for one won't check the credit sites regularly. That's what it takes because that goes to your SS number. That is what will cost you big time. Anyone tries to get credit on my SS number, for a house, car, card, etc, they have to go thru LL. Even I do.
Also there are extended times that we camp where internet is not available to check stuff.
So, true, you can do everything LL does but I feel more comfortable having it.
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