Features worth comparing
Look past a product name and check the actual sources, support, exclusions, and renewal terms.
- Credit monitoring
- Which bureaus are covered, alert speed, and report access.
- Identity monitoring
- Sources monitored, matching accuracy, and how alerts are explained.
- Recovery support
- Service hours, case ownership, documentation help, and exclusions.
- Insurance
- Covered expenses, deductibles, limits, eligibility, and reimbursement rules.
- Family coverage
- Number of adults or children, child-credit features, and price changes.
- Privacy
- Data collected, sharing practices, retention, deletion, and cancellation.
Questions before paying
Start with alerts from banks, card issuers, and credit bureaus. Then identify the gap a paid service would fill.
- Which risks am I trying to detect?
- Which free alerts do I already receive?
- Will I act promptly when an alert arrives?
- What is the full renewal price?
- How do I cancel?
- What documentation does reimbursement require?