Credit card monitoring isn't worth it in my opinion. If anyone fraudulently uses your charge card the credit card company will usually just refund the money to the card when you contest it. If they don't do this, then get a new credit card.
I've had my credit card cloned and stolen before and it wasn't a big deal. I would worry more about people stealing my mail and other more sensitive financial documents.
I would recommend checking your credit report for free from the 3 major agencies at annualcreditreport.com You should stagger your 3 free checks throughout the year to make sure nothing fishy is going on.
You can also buy your credit score, but I also do not think it is necessary. You can use the free fico score estimator that bankrate has to get a fairly accurate number. (do a google search, I'm too new to leave a link) At least this the case with me. I paid for one of my credit scores and it was only off by 10 points.
Save the $100 per year and stick it in a savings account.
|