Part of the problem is that nothing is local any more. I wish it were possible to pull out of all credit agencies, and have all banking, including credit cards and loans, done on the local level. I never gave those agencies permission to obtain, store, and give out that information.
I haven't called them or any of the agencies yet. The thought of giving most of my SSN and other information to the company that probably compromised my information to safeguard me if my information is stolen is just too weird.
Between credit records and medical information being taken offshore, don't bother.
Privacy laws are created by lawyers to help their clients, not us.