Over the past decade, dozens of cybersecurity companies have started offering identity theft protection. Even password managers do credit monitoring nowadays.
At a glance, they seem convenient. With 9 to 15 million Americans falling victim to ID theft every year, you’d do well to secure your data.
Not all ID theft prevention tools are created equal, though. Yes, some systems offer excellent protection, but others just charge premium fees for redundant services.
But don’t worry if you’re undecided about data monitoring. We face the same privacy risks and threats, so we need as much protection as you do.
We don’t mind paying for data monitoring, but we want our money’s worth. To gain insights into the best identity theft protection tools, we asked our team to compare the top cybersecurity companies, research data privacy laws, and read tech help resources.
By the end of this piece, you’ll know what ID theft monitoring system best suits you.
Please read without skipping. We’ll share a damaging yet common misconception about ID theft insurance—which will only give you a false sense of security.
So, is identity theft protection worth it? Let’s find out!
2023 best identity theft protection services
Dozens of cybersecurity companies do data monitoring nowadays. However, if you want top-notch, reliable protection, we suggest starting your research with the following ID theft protection brands:
Best For: Large households
Aura was founded in 2019 by Hari Ravichandran. Although its competitor brands have more industry experience, it quickly gained popularity as one of the most widely trusted options among large households.
Its family plans provide excellent value. You’d be hard-pressed to find ID theft monitoring tools that let you connect as many devices and accounts to your plan as Aura.
Aura offers a broad range of features for individual and family plans, which include:
- PII Monitoring: Aura scans online and offline records for mentions of your PII. Based on its resources, it can check police records, court orders, credit reports, banking transactions, credit transactions, and loan applications.
- Dark Web Monitoring: The system scours dark web pages. It will pinpoint the digital location of any listing or transaction that might be misusing your personal data.
- Credit Score Repair: Aura’s credit monitoring system doubles as a score tracker. You can reference it if you need to build your credit score and prepare for a sizable credit transaction.
Aura offers several other extra features. Although they might seem appealing, we don’t think they add much value to the plans available.
Aura plans and pricing
Aura generally offers three B2C protection plans, namely:
- Individual: The Individual plan provides one user with standard ID theft and financial fraud protection. Monthly fees cost $12 to $15.
- Couple: It offers standard ID theft and financial fraud protection for two users, plus you can link up to 20 devices. Monthly fees cost $22 to $29.
- Family: The Family plan comes with all the bells and whistles. Apart from ID theft and financial fraud monitoring, you’ll also get child SSN monitoring and parental controls. You can already protect five users for just $37 to $50 a month.
Note that all three plans we mentioned above come with an allotted $1 million worth of insurance per user, plus you can try them free for two weeks.
Why we like Aura
Aura is an excellent ID theft monitoring tool for family plans. Not only does it protect up to five users, but everyone can link the system to 10 devices each.
Also, it has a sophisticated monitoring system. We like that it extensively scours online and offline resources for any mention of your personal information.
What we don’t like about Aura
Aura is an excellent ID theft monitoring tool. However, based on the resources and reviews we read, it lacks functionality when it comes to online and offline anti-malware protection.
The dangerous site detectors only work on Windows. You can run it on macOS, iOS, and Android devices, but don’t expect reliable malware detection.
Also, its VPN servers run slow. You might notice that even free VPN service providers using dirty IP addresses load websites faster.
You can check our full Aura review here.
Best For: Extensive cybersecurity protection
If you want extensive ID theft protection, IdentityForce might suit your needs. It comes with all the bells and whistles, including credit score tracking, PII monitoring, password management, VPN services, ID theft insurance, and parental control features, among other features.
Moreover, the company is backed by 17+ years of industry experience. Siblings Steven Bearak and Judy Leary founded the company in 2005, then major credit bureau TransUnion bought it in 2021.
Admittedly, its monthly fees are steep. However, you might not mind them if you value reputability and comprehensive features over affordability.
IdentityForce boasts an array of features and services, but we want to highlight the following:
- ID Theft Restoration: IdentityForce has an extensive ID theft prevention system that guides you from PII tracking to identity restoration. Moreover, it uses the same sophisticated tracker as TransUnion.
- Credit Monitoring: You’ll get real-time alerts if the system spots your personal information used in credit transactions, personal loans, tax returns, and even payday loans. You can set up fraud alerts from its platform.
- Dark Web Tracking: The system will monitor millions of dark web pages endlessly and accurately to ensure your information never leaks.
The top-end plan of IdentityForce comes with add-ons like VPN services, password management, and parental controls.
IdentityForce plans and pricing
IdentityForce comes with three Personal ID theft protection plans, including:
- UltraSecure: Sadly, we can’t recommend UltraSecure. It only offers standard ID theft prevention, yet it already costs $5 less than its full-suite counterpart. Monthly fees range from $14.99 to $17.99.
- UltraSecure+Credit: We highly recommend UltraSecure+Credit over UltraSecure. The full-suite plan comes loaded with all the extra cybersecurity, ID theft monitoring, and fraud prevention features that IdentityForce offers. It costs $19.99 to $23.99 per month.
- ChildWatch: You’ll get ChildWatch if you sign up for a family plan. It extends almost all cybersecurity and monitoring features to your kids. Although ChildWatch makes a great add-on, note that you’d have to speak with the sales team directly if you want a family plan quote.
You can get two months free on all these plans if you pay the fees per annum. Also, all plans come with a minimum of $1 million worth of ID theft insurance per head.
Why we like IdentityForce
We highly recommend IdentityForce to anyone who wants an all-in-one data privacy and protection solution.
It carries almost every cybersecurity tool the average consumer needs. Apart from ID theft and fraud monitoring, you can use IdentityForce to repair your credit score, surf through a VPN server, and manage your passwords.
Also, IdentityForce is now a subsidiary of TransUnion. Considering the fact that it stands as one of the three major U.S. credit unions, you can rest assured that your insurance coverage stays active long-term.
What we don’t like about IdentityForce
At a glance, IdentityForce seems perfect. It goes above and beyond to maintain its position as a one-stop-shop cybersecurity solution for the average consumer.
However, its robust system comes with a very steep price tag. You’ll even notice that its entry-level plan doesn’t stray from the full-suite options of competitors like LifeLock and Aura.
Don’t get us wrong—the monthly fee isn’t a deal-breaker. However, consumers looking for something cheap should explore other credit protection companies.
Please check our full IdentityForce review here.
Best For: Building and repairing credit
Contrary to popular belief, the best identity theft protection services don’t solely focus on fraud prevention. They have several other functions.
Let’s face it—not everyone faces identity theft and fraudulent attacks. Even if you do, you’ll still spend most of your time preventing crooks from stealing your information, not combating them.
Because of this consideration, some clients have doubts about paying for protection alone. Simply put, they don’t think it’s worth it.
But don’t worry if you share the same sentiment. If you want a more functional tool with several real-life applications, we suggest IdentityIQ.
It comes with standard data monitoring. However, the system primarily focuses on helping clients build their credit scores by avoiding hard inquiries, tracking score fluctuations, and, of course, stopping fraudulent transactions.
We think this tool suits anyone who wants better credit scores. Whether you have plans to buy a new house or still need to recover from financial fraud, you’ll find it helpful.
Although IdentityIQ doesn’t carry as many features as its competitors, it stands out in the following areas:
- Credit Report Monitoring: You can review your credit reports on an annual, bi-annual, or monthly basis, depending on your IdentityIQ plan.
- Credit Score Simulator: The simulator shows how various banking activities will affect your current credit score, while the tracker lets you compare your creditworthiness over the years.
- Score Change Alerts: IdentityIQ will keep track of credit score fluctuations indicating unauthorized financial transactions. However, you’ll have to report them yourself.
You’ll be happy to know that IdentityIQ also offers the services we mentioned above at industry-low rates.
IdentityIQ plans and pricing
IdentityIQ offers three different plans and packages, namely:
- Secure Plus: We can’t recommend Secure Plus even if it only costs $8.50 to $9.99 a month. It provides annual 3-bureau credit reports, 1-bureau credit monitoring, and $1 million worth of insurance. Apart from the last feature, you can do everything yourself.
- Secure Pro: The mid-level plan comes with bi-annual 3-bureau credit reports, 3-bureau credit monitoring, and insurance. Also, it will monitor crimes and police reports under your name. Monthly fees range from $16.99 to $19.99.
- Secure Max: Secure Max fees are steep, but the plan offers the most value for your money. The full-suite package comes with monthly 3-bureau credit reports, 3-bureau credit monitoring, ID fraud restoration, family protection, and credit score tracking. Monthly fees range from $25.50 to $29.99.
All IdentityIQ plans come with $1 million worth of insurance coverage and 3-bureau credit reports.
Why we like IdentityIQ
Right off the bat, the best thing about IdentityIQ is it gives you up to 12 credit reports a year. You’ll already get your money’s worth from them alone.
Again, credit bureaus only provide one free credit report a year—requesting extra copies will cost you $12 to $15. Also, don’t forget that the full-suite plan carries several other cybersecurity features.
For best results, we suggest monitoring alongside IdentityIQ. The system has excellent trackers, but you’d do well to peruse and contest unauthorized transactions yourself.
What we don’t like about IdentityIQ
IdentityIQ has a limited market. Sure, monthly credit reports seem helpful, but the average American consumer likely won’t need that many copies.
So, unfortunately, monthly credit reports will be wasted on most people.
For instance, CNBC reports that Americans generally carry four credit cards. Even if you exhaust them every month, you can still accurately gauge your creditworthiness by perusing your monthly statements.
Here’s our full IdentityIQ review.
Best For: ID theft restoration and recovery
All the ID theft protection tools we mentioned offer data restoration. However, IDShield stands as the number one option when it comes to post-attack recovery and support.
The company even hires private investigators. With their help, you’d have a much better shot at tracking perpetrators, taking legal action against them, and recompensing your losses.
IDShield boasts the following credit monitoring and fraud prevention features:
- Identity Restoration: IDShield has the most robust ID theft restoration program on the market. In the event of an attack, it will hire private investigators to help you track down perpetrators and recover lost data. You can submit their reports to the FTC and local law enforcement agencies.
- Credit Monitoring: We were impressed by IDShield’s credit monitoring system. It effectively scans all loan applications, transactions, banking activities, payday loans, and credit card purchases. You likely won’t worry about overlooked activities.
- Device Protection: IDShield offers standard device protection tools. It will detect phishing links, malware threats, and infected files on your compatible device.
Unfortunately, IDShield doesn’t offer too many add-ons. You might have to invest in other tools to bolster your cybersecurity system.
IDShield plans and pricing
IDShield only offers two ID protection packages:
- 1-Bureau Credit Monitoring: IDShield will scour credit reports, financial transactions, court orders, and criminal records for activities involving your information. However, note that you’ll only get 1-bureau credit reports. The monthly fee is $14.95.
- 3-Bureau Credit Monitoring: Although credit bureaus inform each other of fraud alerts, they don’t share client credit reports. So, unfortunately, 1-bureau credit monitoring won’t give you super-accurate results. If you want to stop criminals in their tracks and prevent financial fraud, we suggest upgrading to a 3-bureau credit monitoring plan. The monthly fee is $19.95.
Don’t worry—both plans will give you access to the ID experts at IDShield. Also, you can sign up for a 30-day free trial if you’re still on the fence about signing up for an account.
Why we like IDShield
We can confidently say that IDShield has the most extensive ID theft restoration program. Many brands offer the same service, but they rarely provide hands-on support.
On the other hand, IDShield even hires private investigators. Its security professionals will cooperate with investigators to restore your identity, recover lost data, and track down perpetrators.
That way, you’ll know who to hold accountable during fraudulent attacks. And don’t worry—you’ll also get $1 million worth of coverage, so you won’t lose any more money.
What we don’t like about IDShield
IDShield primarily excels in ID theft recovery. However, its monitoring system doesn’t compare to its counterparts’ technologies.
Let’s face it—ID theft tools spend more time monitoring PII than recovering stolen identities, so many want to focus on fraud prevention.
Also, IDShield isn’t cheap. Its 3-bureau credit monitoring plan almost costs as much as the full-suite options at Aura, IdentityForce, and LifeLock.
You can see how IDShield works here.
Best For: Extensive family protection
If your entire family wants an ID theft program that comes with all the bells and whistles like IdentityForce, try LifeLock.
It offers an array of cybersecurity services. The full-suite option can help you and your kids combat various cyberattacks, from social media hacking to financial fraud.
LifeLock boasts an array of helpful features, including:
- Credit Lock: You can lock your credit report from the app itself. We like that its credit lock extends to payday loans, which most ID theft monitoring tools typically overlook.
- PII Monitoring: LifeLock monitors online and offline records. It will scour dark web listings, credit reports, and criminal charges for any activities involving your listed information.
- Phone Takeover Monitoring: It’s a unique feature offered by LifeLock. The system basically alerts you if it detects warning signs indicating third parties have infiltrated your smartphone.
You’ll find more features as you upgrade your plan. However, note that most of them won’t offer much value, so manage your expectations.
LifeLock plans and pricing
LifeLock generally offers three packages, namely:
- Standard: The entry-level plan offers basic monitoring and insurance protection. You’ll get SSN monitoring, 1-bureau credit monitoring, $1 million ID theft insurance for legal fees, and $25,000 stolen funds reimbursement. Monthly fees range from $7.50 to $8.99.
- Advantage: The advantage plan comes with all the features of a Standard package, plus credit monitoring, criminal ID theft, phone takeover monitoring, and $100,000 stolen fund reimbursement. Monthly fees range from $14.99 to $17.99.
- Ultimate Plus: If you upgrade to the full-suite option, LifeLock will also monitor the unauthorized usage of your home title, social media profiles, and investment accounts. 3-bureau updates are available per annum, but you can request daily 1-bureau monitoring. Monthly fees range from $19.99 to $23.99.
LifeLock follows a unique pricing system. You can upgrade any of the Individual packages above to the following Family plans:
|Family (2 adults)||$12.49 to $14.99||$23.99 to $28.99||$32.99 to $39.99|
|Family (2 adults + 5 kids)||$18.49 to $21.99||$29.99 to $35.99||$28.99 to $46.99|
Why we like LifeLock
LifeLock is the perfect family alternative to IdentityForce. Its full-suite option comes with the same extra cybersecurity features, but you can incorporate them into your family plan.
Also, based on reviews, LifeLock has a responsive customer service team. Whether you’re inquiring about new products or asking for help with ID theft recovery, expect a prompt response.
Trust us—too many ID theft brands have poor after-sales service. Once you go beyond our recommendations, you’ll definitely come across shady companies that ignore their clients’ claims and complaints.
What we don’t like about LifeLock
We dislike LifeLock’s entry-level and mid-tier plans. Not only are they expensive, but they offer standard monitoring features, so don’t let the low price tags fool you.
Also, they have limited coverage. The $1 million ID theft insurance only covers legal fees and lawyer consultations, not stolen funds.
Thankfully, the full-suite option has a $2 million coverage for legal fees and lost money. However, the first two plans only come with $25,000 to $100,000 worth of insurance for stolen funds.
Take a look at LifeLock in action here.
Do you really need ID theft protection?
Before going any further, let’s address the all-important question of whether consumers really need ID theft protection services. Unfortunately, the answer depends on a case-by-case basis.
One-size-fits-all data privacy solutions don’t exist. Instead of simply telling you to get or ditch ID theft protection, we’ll dive into how you might benefit from the different brands and services available today.
That way, you can make an informed, objective decision yourself.
After all, many first-timers still find ID theft protection confusing despite its popularity. We even read reviews calling data and credit monitoring systems scams—which might be true for some.
We’ll flesh out the details later. However, to give you an idea of ID theft protection, you can rest assured that most brands offer reliable, helpful services like monitoring your:
- Banking information
- Contact details
- Credit card transactions
- Credit reports and score
- Loan applications
- Name and home address
- Passport number
- Personal Identifiable Information (PII)
- Social media accounts
- Social Security Number
Crooks will exploit any piece of information they extract. Trust us—experienced cybercriminals can even use something publicly available, like your email address, as a starting point for their crimes.
Top reasons why you might need ID theft protection
After discussing the best ID theft protection tools, let’s assess if you’d actually benefit from their services. Not everyone needs premium data and credit monitoring.
There are no hard-and-fast rules on buying cybersecurity tools. However, based on the multiple reviews we read, we noticed that clients benefit the most from ID theft protection if they:
1. Store confidential files digitally
Digital data storage solutions play an integral part in modern society. Check your gadgets; you likely have various confidential information stored in your USB flash drive, laptop, smartphone, and cloud drive.
Although convenient, they’re also prone to cyberattacks. Skilled criminals can bypass login credentials using brute-force hacking methods and extract all your information within minutes.
Prevention is better than cure. However, if crooks have already extracted your files, you should shift your focus to swift damage mitigation.
Use ID theft monitoring tools to track unusual activities involving your identity. Take advantage of their real-time alerts to file reports and call involved institutions quickly.
Stop hackers before they exploit your data.
2. Send and receive sensitive emails daily
Reports show that the average working adult receives 100+ emails and sends 40+ daily. Unfortunately, the same report shows that 1% of received emails are cyberattacks, meaning you go through at least one phishing link a day.
You can’t risk exposing your email accounts to hackers. Whether you know it or not, your accounts are gold mines that contain dozens of personal and work information (i.e., tax returns, SSN, insurance policy, employer details).
Fortunately, most ID theft protection tools also offer email monitoring. At a basic level, they’ll inform you of emails containing malware-infected attachments, phishing links, and spam so that you won’t open them anymore.
3. Have several children
You shouldn’t take child identity theft lightly. Reports show that over 1.3 million minors get their identities stolen annually, and 50% are still under six years old.
To make matters worse, most victims spend their childhood oblivious to attacks. After all, kids often use their Social Security Numbers for the first time when applying for college or getting their driver’s licenses.
By then, it would’ve already been too late to mitigate the damages.
So if you have kids, you’d do well to monitor their personal information and online accounts as well. That way, you can address attacks right from the get-go.
4. Execute several credit card transactions a day
Technically, you can monitor your banking information yourself. Card-issuing banks provide monthly credit card statements, while credit bureaus give free annual credit reports.
Your primary goal is to dispute unusual activities. Although simple, you might find it challenging to go through your reports if you execute multiple work and personal transactions a day.
In the worst case, you might even miss crucial warning signs. It’s important to note that delaying your reports, even by accident, for even a few days gives crooks more time to execute fraudulent financial transactions.
5. Travel a lot
The more frequently you travel, the more information you divulge to third parties. When you think about it, the staff at your last trip’s chosen airline company, hotel, and travel agency likely has copies of your passport.
Of course, the law requires these companies to protect client PII. However, if you travel often, you might have trouble tracking down sources in the event of a data breach.
Fortunately, you can minimize the potential damages with ID theft prevention tools. Use them to monitor all the information you disclose.
That way, you’ll at least know who to hold accountable if you find out that your information has been exposed.
6. Don’t want to monitor their data themselves
Let’s face it—most of us don’t have time to monitor our information. Between requesting reports from credit bureaus and perusing banking transactions, self-monitoring will quickly consume several hours a day.
On the contrary, you can passively manage ID theft tools. In all likelihood, you’d only have to check on them if the system detects unusual activities involving your personal information.
Key features of ID theft protection services
ID theft protection yields several advantages. If you use it properly, you can effectively minimize your susceptibility to various cyberattacks and hacking attempts.
However, it’s not a magic bullet that wholly stops ID theft. The overall accuracy of an ID theft protection tool depends on its features.
In fact, while researching ID theft protection companies, you’ll come across different cybersecurity services and functions. For instance, premium plans from widely known brands come with all the bells and whistles, while entry-level accounts only do data monitoring.
Despite the differences in add-on features, most of them focus on the following services:
At a basic level, all ID theft monitoring tools offer PII monitoring. You’ll get real-time warnings if the system detects unusual activities involving your name, address, contact number, SSN, or tax number, among other sensitive information.
However, don’t assume that all monitoring tools are the same. Although they offer the same service, the accuracy and reliability of their results vary.
IMPORTANT: ID theft prevention tools use different monitoring technologies. More sophisticated systems can effectively track down and resolve every unauthorized mention of your name, while less-reliable tools only notify you of threats.
For instance, both IDShield and Frontier Secure offer PII monitoring. However, the latter only informs you of possible threats, while IDShield hires private investigators to track down criminals abusing your information.
Credit report copies
Robust ID theft monitoring tools monitor your credit score daily and track fluctuations. After all, sudden drops indicate hard inquiries on your credit report.
In most cases, you can also view your score yourself through these tools. If you’re building your credit, you can use them as a basis so that you won’t have to contact banks yourself.
Also, ID theft monitoring companies provide credit reports.
However, we advise against brands that only provide one credit report a year—you can get free annual copies from credit bureaus yourself.
If you pay for a premium plan, you should receive at least 4 to 12 credit reports per annum, plus daily credit monitoring, of course. Otherwise, you won’t get your money’s worth.
Loan monitoring is part of credit and PII monitoring. As its name suggests, the system will update you on loan applications and card transactions involving your SSN.
It’s a great feature to combat financial fraud. If you take action immediately, you might even stop unauthorized activities before financial institutions approve them.
Just note that most ID theft monitoring tools only track loan applications from widely known lenders. They’ll alert you on auto, home, and personal loans.
However, based on the cybersecurity resources we reviewed, most monitoring tools overlook short-term loans from small lenders (i.e., payday loans).
Unfortunately, these lenders care little about fraud victims. Some clients share that they still get harassed by debt collectors even after filing the necessary ID theft reports.
Most data monitoring tools provide ID theft insurance coverage. It reimburses the money you need for legal consultations, data recovery, and paperwork processing, among other expenses, if you find yourself the victim of fraud.
Many cybersecurity companies offer ID theft insurance nowadays. Coverages often start at $25,000, although you’ll find several widely known brands offering up to $1 million worth of protection.
Warning: Please understand that insurers won’t just hand out money. Like all types of insurance, underwriters would have to approve your claim first.
And note that insurers reserve the right to reject claims.
Unfortunately, unstable companies will go above and beyond to find loopholes invalidating ID theft insurance claims. After all, approving them costs money.
Don’t get us wrong—we’re not saying ID theft insurance is useless. On the contrary, we believe you should only opt for monitoring tools that provide ID theft insurance coverage.
We just want to manage your expectations. And if possible, look for an ID theft monitoring company with high claims approval rates and fast underwriting procedures.
Child PII Monitoring
Most ID theft prevention companies now offer child protection features. Although the specific details may vary, they usually focus on tracking unauthorized activities involving your kids’ personal information.
Avoid brands overcharging you for this service. You could even get it for free with family plans and packages that also protect your other household members.
Bonus Tip: Don’t automatically opt for tools that offer the most add-ons. Note that many companies overcharge their clients for extra services like password management, VPNs, and parental controls—which you can get for free elsewhere.
Tips to Protect Your Personal Information
Users often opt out of ID theft protection if they feel they can monitor their information themselves.
However, is it really possible? The answer: yes, you can keep track of your personal information and prevent ID theft by:
- Requesting Credit Reports: The three main U.S. credit bureaus—Equifax, Experian, and TransUnion–will give you one free credit report per annum. Extra copies cost around $15.
- Reviewing Your Financial Statements: Carefully peruse all your credit card and bank account statements. If possible, dispute unauthorized activities close to their transaction dates, or else banks might reject your requests.
- Setting Up Fraud Alerts: Fraud alerts warn commercial banks and lenders that your information might have recently been compromised. As such, they’ll have to double-check all transactions involving you.
- Contacting the IRS: You can reach the IRS at +1 (800) 908-4490 to dispute unauthorized claims on your tax returns and benefits.
- Filing ID Theft Reports: File ID theft reports at the FTC’s website. After sharing details of the attack, you’ll receive a customized data recovery plan, plus contact numbers of the institutions that can help you.
- Using Strong Login Credentials: Secure username-password combinations serve as your first line of defense. Note that brute-force hacking systems crack dictionary words within minutes, so use special, upper-case, and lower-case characters whenever possible.
- Filtering Your Messages: Avoid spam messages. They likely contain phishing links, malware-infected files, and social engineering tactics.
- Divulging Details Carefully: View any asking for personal data with skepticism. Check if it really needs your information; otherwise, offer another form of identification.
- Tracking Your PII: Do your best to monitor the third parties that have your PII. That way, you know who to hold accountable in the event of a cyberattack or data breach.
Data monitoring requires a lot of effort. If you receive dozens of confidential documents and execute multiple credit card transactions regularly, the hassle might not be worth it.
Nonetheless, don’t neglect these cybersecurity practices. Good cyber hygiene habits go a long way in securing your personal information.
Choosing the Best Identity Theft Protection Services
Overall, the ID theft protection you need depends on your situation. Remember: no two people share the exact cybersecurity needs—what works for others might not necessarily yield the same results for you.
Sure, you can use reviews and testimonials to gain insights. However, you’ll just waste your money if you blindly get the same tools and services your peers use.
Take time to assess your needs objectively.
For instance, if you have little time to monitor your personal information, handle several highly confidential documents daily, and keep large sums of money in your online accounts, you could benefit from sophisticated ID theft monitoring.
Otherwise, carefully reconsider your options. Apart from ID theft insurance protection, you can do most of the services that monitoring tools offer yourself.