Best, most detailed credit monitoring service?

Careful, I suspect BOA will soon have a class action suit against them.

What you have is simply not needed.

You could put a freeze on your reports yourself for $10 per bureau.

These programs only prevent ID theft of the purest kind.

The kind where they open credit or a loan.

More than 99% of this is done by a parent or close family member

^ Consumer Reports magazine

Most ID theft (not real ID theft), is where someone uses a current open account.

These monitoring services cannot do a thing against this.

They also can't preven fraud against a checking or savings.

They cannot prevent - tax fraud or medical ID fraud.

Again, you have a 1 in a billion chance of having ID theft done to you unless you have scammish parents or family.

And, if you spot in in your 3 rerports, you dipsute it and it goes away.

The person would be easily caught since there is always an address (yours).

Usually a child sees mail from an utility collection agency. How often caught.

BOA is under stress for misreprensentation and false advertising.

Not the first time a bank would try to scam it's customers.

When you've got weak credit or have got to toughen it, then you will have to monitor it. I cant say which is better. Ideally any credit score monitoring service should display all three bureaus. Most display only one.

They are all a rip off.