According to the FTC, monitoring services usually alert you when a company checks your credit history, a new loan or credit card is opened in your name, a creditor says a payment is late, or if public records show you’ve filed for bankruptcy.

Some monitoring services include identity theft protection, which will alert you when your personal information is being used in ways that doesn’t show up on your credit report. It could monitor things like utility and cable bills, payday loan applications, and social media.  But remember, most credit monitoring services only track your credit reports and won’t share suspicious activity on your credit card or in your banks accounts.

Two proactive monitoring agencies include…

  • Lifelock is one of the biggest identity theft insurance providers out there.
  • Zander offers it too, and I’m sure many others as well.