Do I need identity protection or credit monitoring?
Answer first
Enter a free voluntary credit ban first. It makes taking out credit in your name harder. Then compare the extra services and annual price of paid monitoring.
Identity-protection services vary. Monitoring can alert you to changes, while Finland’s free voluntary credit ban directly affects credit decisions.
A voluntary credit ban is an entry that stops a lender assuming you are the one applying for credit. You enter it yourself and you lift it yourself when you need credit.
After a data leak, Suomi.fi also recommends blocks on address and bank-account changes and a ban on disclosing contact details.
If you are considering a paid service, check which registers it monitors, alert speed, practical support, insurance terms and annual price.