Which of the following is an important factor to consider when choosing a credit monitoring service?

The most useful credit monitoring services watch all three credit bureau files simultaneously and alert you to meaningful changes such as new accounts opened in your name, hard inquiries, changes of address, and public record filings — all of which are common early signs of identity theft. Score-only monitoring is far less valuable because your score can look fine even while fraudulent activity is occurring. Services like Experian, IdentityIQ, and myFICO offer multi-bureau monitoring, while free services like Credit Karma typically monitor only one or two bureaus.