After a major data breach, it’s hard to know whether your information has been compromised and how to protect yourself afterward. Businesses have cropped up that offer credit monitoring services—peace of mind for a price. But should you pay for them, or even sign up for a free trial?
Credit monitoring services, like LifeLock or Identity Guard, offer a range of monitoring “plans” that run from $10 to $30 a month. While these different plans come with different perks, they all do one basic thing—routinely check your credit reports and alert you when there’s suspicious activity. That’s right; credit monitoring services don’t prevent your identity from being stolen, they just let you know when it’s been stolen.
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