”Credit monitoring services can be helpful for spotting certain problems, such as if somebody opens a new credit account in your name using your stolen information,” says Susan Grant, director of consumer protection for the Consumer Federation of America. Monitoring your credit independently is certainly an option, but for a small monthly fee you can be part of a comprehensive credit monitoring service that will do the tedious work for you and alert you if there are any issues with your credit report, such as fraud, identity theft, unauthorized accounts etc. In addition to cost, another possible issue with credit monitoring services is the existence of so-called fragmented files, experts say. A comprehensive plan from one of the major credit reporting bureaus for only $14.95/month. Pricing ranges from free to $29.00 / month depending on the level of monitoring you want to have. For that reason, more providers have begun offering broader identity monitoring services that typically inclu

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