I think they do more than just freeze and cancel your cards but I've never used those services so I can't tell you exactly. At $8 a month you're looking at paying around a $100 a year and let's say you have an identity problem every 3 years = $300 per ID theft incident. Would you pay someone $300 to make all those phone calls or would you do it yourself?
I'd rather do it myself but I'm sure for some people, especially elderly that may not be too keen on how to handle those situations, it could be worth the price.
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