not sure really anymore. I had a rash of calls saying "where do you want us to ship x" I was like, wtf are you talking about, never heard of it. hell I even had an insurance company call me to verify stuff. My phone was ringing all the time. Decided that while I could probably effect change on my own, the $100 I paid to Lifelock was worth me not having to do it all. I was right, within 3 days the calls stopped. I have not had so much as a peep from anything like it since signing up. Could it be coincidence, yes but for me the $100 was cheaper than me spending time to call each credit place, pulling my reports, etc etc. Really it boils down to do you have time to track down all the stuff or would you rather pay someone, know its getting done and get a guarantee for the work? I will tell you this, my younger sister had her ID stolen in college, she's been out over 10yrs now and STILL has issues from it surface from time to time. The fees you pay someone to monitor your stuff are a heck of a lot cheaper than if someone is successful in stealing your ID.