This is a bit off topic and obviously bullshit, but I do recommend the social monitoring service, as well as freezing your credit. No real reason not to. I see freezing your credit as like setting a simple 2fa for your credit. You can unfreeze it at any time for free, and that extra bit of inconvenience of having to unfreeze it can stop impulse credit card sign ups. Also I have a "world class" Mastercard, but they also have free credit monitoring that I recommend. I think Visa might have something similar, but I'm not entirely sure.