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Paid $450 for a credit monitoring service and it didnt catch the thing that mattered

I signed up for this fancy credit monitoring thing back in March cause I was trying to rebuild after my score tanked. They kept sending me alerts about small stuff like a hard inquiry but never flagged the collections account that got added on my report from some old medical bill in Ohio. Found out when I went to apply for a rental and got denied. That $450 coulda gone toward paying off the bill instead. Anyone else had monitoring services miss something big like that?
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