Some services can provide you with unlimited access to your credit file which means that you can check whenever you want to, whilst others will provide a credit report quarterly. I would recommend that you get one which can provide you with unlimited access. The reason for this is that should you choose to follow any bit of our advice on recovering from bankruptcy, you will require a copy on hand.

• Identity theft insurance. As part of the package, some services will offer identity theft insurance. Just make sure to first read the fine print.
 
• Cost. Obviously, cost is something that will need to be considered when you choose a monitoring service. These costs might range from a $39 per year for a very basic, one bureau monitoring service, to $200 per year for a premium, 3 bureau monitoring service.

When you try to get over your bankruptcy, bearing in mind all of your credit accounts can save your life and get you back on track. Obviously, there are certain things which credit monitoring can't do, such as take the action in your place. You can rest assured that Identity theft prevention in this day and age is necessary for recovering from bankruptcy as it can save you from having illegal attempts made on your account which could take you back to the very beginning.

More information on the next page of our guide, Identity Theft Prevention