Which is better?
Are credit monitoring services worth it? Do they prevent identity theft?
See this KrebsOnSecurity article from March 2014 which provides a pretty clear answer. Also includes application guidance.
A December 2015 KrebsOnSecurity article updates the discussion using the OPM breach and others as recent examples.
From Consumer’s Union: A page of overviews for each state & DC and a page of links.
