I personally would not believe this claim for a second. Plus, if an organization knows of the existence of criminal databases, they are duty-bound to report them. What? How? Most criminal websites that trade IDs are on the dark web and no monitoring software in the world is going to be able to find them let alone track and keep an eye on them. Monitor criminal websites for your personal data. You are entitled to one copy per year of your credit report and you can order it from this website. You can get this yourself by asking for it. You get an annual copy of your credit report so you can check entries. These screens do not hurt your credit score but can be an avenue for identity theft.

Pre-screening is a somewhat desperate move to get you to take more credit by checking your credit report and then sending you a pre-qualified credit card offer. Your name is removed from credit card pre-screening. You can ask for these to be set yourself if you have reason to believe your identity has been stolen or has a substantial risk of being stolen. Fraud alerts are largely pointless as many retailers simply ignore them and they expire after 90 days. LifeLock places fraud alerts on your credit report with all three agencies.

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