It is a service provided by Experian Credit, and does not include monitoring of the other two major agencies. But it is valuable, since most big transactions appear on all three reporting agencies.
Learn more about it here.
The only way to prevent being victimized is to monitor your credit, since it is so easy for people to get your social security number. There are no government agencies or non-profit firms that help you with identity theft. A few private companies, such as LifeLock, advertise special protection over and above monitoring. But monitoring is a good place to start, and can prevent I.D. thieves from doing the most serious damage. Don't wait until you are victimized, start monitoring your credit activity now.
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