The credit monitoring add-on I nearly ignored had the real answer

I was about to cancel the $12 monthly credit monitoring from my bank because it felt like a waste. Then last week at a coffee shop in Omaha, I overheard this guy telling his friend how he caught a whole new account opened in his name because the alert flagged a soft pull he didn't recognize. I mean, I always figured the free score stuff was enough, but he said the monitoring caught it weeks before his score even moved. So I kept it and dug into mine, found a medical collection from a clinic I never visited. Anyone else get real use out of those paid alerts or is it just me?

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