IMHO - credit monitoring has limited utility. While it can help you identify issues more quickly, it's still after the fact. For that reason, I bought the fam

IMHO - credit monitoring has limited utility. While it can help you identify issues more quickly, it's still after the fact. For that reason, I bought the family a Zander Insurance plan. If you get hacked, they handle the fix (including outreach to the credit bureaus) and cover your expenses. This year they also added some credit/identity monitoring features and wallet replacement. I've not yet had to use them, but the service makes a lot of sense to me. https://www.zanderins.com/idtheft2 https://www.zanderins.com/idtheft2