A credit monitoring service is a company that generally charges a monthly fee to watch on your credit (identity theft protection). You fill out a user profile and can sign up for notifies and notices, so you know when any activity is happe…

To freeze your credit reports, you'll need to get in touch with each of the credit bureaus individually. If you opt for a freeze, each time you require to allow a company to check your credit for example, if you obtain a loan or a home you…