"The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation’s credit reporting companies. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the FCRA with respect to credit reporting companies"
https://www.consumer.ftc.gov/articles/0155-free-credit-reports
so
https://www.annualcreditreport.com/index.action
and then stagger the requests four months apart ... start with Equifax now ...
Indeed. Predicted (check article dates) "“Visa [which last year told me rather vehemently that chip and signature was quite enough for the American market] has pushed PIN in other geographies. The investment is already there. If you look at the U.S. market, we have a unique set of consumers. As one issuer put it —’We are not convinced Americans can learn to do two new things at once.’ ” Sadly she did not name the source of that comment." https://www.forbes.com/sites/tomgroenfeldt/2014/06/23/more-secure-credit-cards-with-chips-coming-to-the-u-s/ "You're about to get a new credit card ... and it's an epic failure" http://money.cnn.com/2015/03/25/technology/credit-card-chips-hackers/index.html
There's always the flying dutchman next time. http://aht.seriouseats.com/archives/2011/03/the-in-n-out-survival-guide-we-ate-every-single-item-on-the-secret-menu-slideshow.html
More opinions ... The rabbit hole goes deeper https://hackernoon.com/a-series-of-unfortunate-events-or-how-equifax-fire-eye-threw-oil-on-the-fire-c19285f866ed
https://www.theregister.co.uk/2017/08/25/ad_blocking_doesnt_exist_on_mobile/
Read the comments for the various mobile adblocking approaches the el reg readers take.