Worth, expensive, overkill, etc are subjective regardless of topic. It's your call to make and you can't just poll others who have varying needs/wants that affect their decision. If you are going to poll the important question isn't "who?" but why?" so you can look at their reasoning and see if it is relevant to you. Otherwise people will just tend to recommend what they prefer without any consideration as to whether or not their reasoning matters to you. If you think it's expensive and overkill then it probably isn't worth it to you but we can't tell you that.
FWIW, unless I'm really concerned about apping for something I don't have any monitoring aside from the weekly CK report updates.
@Anonymous wrote:
I really don't think the monitoring on this site works any way. I have account changes that have yet to update on here.
The monitoring works but people need to understand what does and what does not trigger the alerts. This is a fairly common topic and you can find the info on triggers on myFICO and/or via quick Googling. This was the first hit searching with the keywords myFICO triggers:
http://myfico.custhelp.com/app/answers/detail/a_id/463/~/understanding-what-triggers-fico%C2%AE-3-bureau-credit-monitoring-and-fico%C2%AE-identity
