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credit monitoring make sure it includes recovery services and you need a recovery specialist. absolutely because when you freeze your credit report, it does help with identity theft and i ve frozen ours. you can t use it to get credit. it doesn t prevent identity theft unless the lending institution actually checks your credit before issuing the credit card and only about 3 in 10 credit card applications are checked. actually they run the credit on. they just mass approve most of them. and so there s nothing to prevent identity theft if that happens so the banks have got to step up and do a better job but a frozen credit report will happen. if you re going to get identity theft insurance, you need to get the kind that has a person assigned to your case to take over cleaning up the mess because the problem is not that you lose money, the problem is you have to deal with idiots over at citibank or first card or something like this to get through the fraud victim division and not be tre

Identity theftCredit reportRecovery servicesCredit monitoringRecovery specialistCredit cardLending institutionIt doesnt prevent identity theftCredit onIdentity theft insuranceFraud victim division