How to save over 20% on credit monitoring

Call the credit bureau directly—they just may offer you a big discount. I called Equifax today helping a victim report fraud and get an alert on their credit file. After I was done the procedure, I accidently hit “#” instead of “*” (* would have repeated the confirmation number for me). A person answered and they immediately launched into an up-sell pitch for credit monitoring. I rolled my eyes and i was going to hang up but I decided to listen. She immediately offered me one year of Equifax Credit Watch Gold (credit monitoring plus other stuff) for $99 instead of the published price of $130. That’s a 24% discount. So, although credit monitoring is pricy and overkill for most people, if you are going to order it, you might as well call and try to get a deal. This phone rep was obviously given an incentive to sign people up.