Identity protection can mean preventing new credit accounts, spotting unusual activity, or getting help after someone misuses your information. Those are different jobs. A paid monitoring subscription does not do all of them, and several useful protections are available free in the United States.

If you see an unauthorized charge, withdrawal, or account, contact the affected institution promptly through a trusted number or its official app. Follow its fraud process and use the Federal Trade Commission's identity theft reporting service for recovery guidance. A monitoring purchase or this preference question should not delay action on an active problem.

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