Lifelock, Identity Guard and similar services.

I read somewhere the Lifelock guy got his identity stolen a number of times after showing his social security number on the commercials. I'll see if I can find a link.


ETA:

quote:

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LifeLock CEO Todd Davis, whose number is displayed in the company’s ubiquitous advertisements, has by now learned that lesson. He’s been a victim of identity theft at least 13 times, according to the Phoenix New Times.

That’s 12 more times than has previously been known.

In June 2007, Threat Level reported that Davis had been the victim of identity theft after someone used his identity to obtain a $500 loan from a check-cashing company. Davis discovered the crime only after the company called his wife’s cellphone to recover the unpaid debt.

About four months after that story published, Davis’ identity was stolen again by someone in Albany, Georgia, who opened an AT&T/Cingular wireless account using his Social Security number (.pdf), according to a police report obtained by the New Times. The perpetrator racked up $2,390 in charges on the account, which remained unpaid. Davis, whose real name according to police reports is Richard Todd Davis, only learned a year later that his identity had been stolen again after AT&T handed off the debt to a collection agency and a note appeared on his credit report.

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LINK

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are they worth the money and which is the best?

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Depends. IMO, only if you suspect your information has been stolen is it maybe worth it.

I just review my 3 credit reports every year (one every 4 months, and it's free).