the value of credit monitoring?

[Rogar]

About a year a go I got a letter from one of the three big credit agencies saying they had blocked a fraudulent credit application. With all that goes around, I at first thought it was some sort of hoax but with a little digging verified it. I made sure the three credit agencies were locked down and then subscribed to one of them to do monitoring for $15 a month. I'm reviewing my recurring charges and it's on the chopping block. I've had no firher instances and monitor my bank accounts routinely. Being a luddite, I'm pretty light on internet exposure and am very careful, but I'm pretty sure everyone's emails and other personal information, maybe including SS numbers and credit cards are available for the right price for most all of us.

I was wondering of the value of this monthly charge and if it has provided value or just out of precaution. Recurring charges can get carried away for a variety of things.

[bae]

What is the $180 per year buying you?

[rosarugosa]

I use Credit Karma, which is free.

[Rogar]

What is the $180 per year buying you?

This is from their web site. I also understand they also monitor my bank accounts for any nefarious actions, but I'm not too sure what that involves. I'm at the point of doubting the value, but after someone apparently used my identity to apply for credit, it sounded reasonable. After a year, my paranoia has diminished and I've not had further alerts.

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Since my credit is locked down, I don't think this applies, but they listed it...

If you believe you’re a victim of fraud, you can activate automatic fraud alerts and we’ll place an initial alert on your credit report. This alert encourages lenders to take extra steps to verify your identity before extending credit. On an annual basis, we’ll automatically renew your fraud alert, so you don’t have to.