Why are you using any third party company to monitor your credit? You shouldn't be doing that.

What you should be doing is putting a freeze on anyone looking at your credit report. The less people who have access to your information, the better. That includes all these places starting up claiming to protect you with "fraud alerts".

There is something wrong when there are too many organizations claiming to protect your credit and all you have to do is give them all your information. How do you know who these people are and what they are doing with your information? The answer is you don't. Don't get involved with any of them. These fraud alerts are bullshit.

If you are concerned about fraud, freeze your credit file. That is your best guarantee of anything.

With a freeze, no one can look at your credit report without you first giving permission with a PIN supplied by the three major credit reporting agencies.

With a freeze no one can ever access your file and therefore no one can ever steal your identity to obtain credit.

There is a small cost involved, but it is worth it. It might even be free in a few states. The only time you ever want your credit report looked at is when you yourself apply for a loan, insurance, or a new credit card, etc. How often is that?

Without the freeze, everyone and his brother has access to your credit files. Even with the fraud alerts. You don't want that. You only want your credit file looked at when there is a reason for it and the only reason for it is when you apply for something.

It's worth the cost.

Contact all three credit reporting agencies....

http://www.experian.com/consumer/security_freeze.html

http://www.transunion.com/corporate/personal/fraudIdentityTheft/preventing/securityFreeze.page

http://www.equifax.com/cs/Satellite?c=EFX_ContentRoot&cid=1165203975981&pagename=5-1%2F5-1_Layout