Identity theft protection services
In my personal experience, it is not worth what it is claimed to be. I have sfused to sign igned up whenever it is offered as an insurance, provided they are not asking for too much information. If I detect identity theft, I can execute a claim.
I have refused to sign up at a number of them. Reasons? http rather than https form, asking for far more information than needed to monitor for the data purloined, general sense of poor implementation, etc. Ones I have signed up with? ones that make additional monitored info optional, https obviously required minimally, one implemented real non-SMS 2-factor options.
I am a "victim" of the 2014-2015 OPM data breach(es). The true answers to most of the "secret" questions as secondary authentication are part of that data breach. I do not provide real answers for secondary authentication. And no two sites have the same answers from me for the same question. I have provided myself with more security than the "protection services" offered for this breach and all others. On the off chance they detect fraud I will benefit though at no cost to me.
I absolutely refuse to provide more info to these monitoring services than what is required or was in the original breach. These service are the next prime target for data thiefs.
rating: one star out of five