ID Shield does a great job of monitoring credit. Unlike other companies, it is much more affordable too. You can find a decent plan that will give you plenty of protection. Credit monitoring is effective and alerts you to all suspicious activity to ensure your private information stays private. Among the things they monitor include loans, checking accounts credit accounts and similar things. Once you pay for the service, you really don’t have to do anything. Just sit back and let ID Shield monitor your credit for you.