Don’t pay for monthly credit monitoring. You can get a free credit report every year at www.annualcreditreport.com You can also check your credit score for a small fee. Monthly credit monitoring costs $8 to $12 per month which is significant over a year.
There are three credit reporting agencies. I recommend cycling through one of them every 4 months. You will be getting your free credit report 3 times per year. Review it and if you see anything that is wrong, and immediately dispute it in writing.
Keeping your credit report clean of errors will keep your scores higher and your interest rates lower when it comes to major purchases such as buying a car or a home. You may also be surprised to find out that car insurance companies check your credit report/score and so do some employers.