To avoid being a victim of identity theft, credit monitoring services like Mint Credit Monitor can be useful, especially when they provide notifications when certain activities take place. But since credit monitoring services charge, you need to look carefully before you select one. Some things to keep in mind when choosing a credit monitoring service:
Remember, even if you have a credit monitoring service, this won’t prevent identity theft. Checking your credit may help you spot identity theft early, but the best defense against identity theft is to be vigilant with information that you share.
The best way to prevent problems with your identity is to take precautions.
Freeze your credit reports (which means no one can get access to it until you "thaw" it) to make it difficult for a fraudster to obtain credit using your good name. By providing a written and documented request to each of the credit reporting agencies (Equifax, Experian, and TransUnion), they can provide you with a personal identification number or password to help you manage access to your credit.