credit monitoring

Do you think it’s necessary to buy credit monitoring such as Protect My ID or Lifelock and which do you prefer?

Terry Says:  I don’t want to jinx it — but I haven’t done that.  I think it’s enough to track your credit cards regularly to make sure they are not being misused.  And to get your free credit report each year from AnnualCreditReport.com  If you fear someone opening up new credit in your name, you can always put a “freeze” on your credit report for a small fee — and another small fee to “unfreeze” it at any time.  There is no fee if you have recently been the victim of any credit card fraud.