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Hi. Yeah, you guys asked me so many questions about your credit. And this next question from our viewer, Tony has come up several times with many of you. She says I already froze my credit over the last few days. I also check my credit reports routinely. Does it pay for me to invest in *** credit monitoring program? Let's explain what credit monitoring programs can and can't do. They can watch over all of your credit reports and immediately alert you to changes. Those changes would include things like new accounts being opened, your name, an address change on your credit file, but they can't stop identity theft from happening altogether because credit monitoring is just that monitors it. They alert you to suspicious activity so you can address it. So when are credit monitoring services worth paying for one? You've already been the victim of identity theft and you need to be extra vigilant with round the clock monitoring two. If you know you aren't checking your credit reports that often and you're willing to pay for the convenience of having them do it to get your money's worth. Make sure you're looking at services that monitor all three credit bureaus that's Experian Equifax and Transunion. That way you're covered at each if you're paying for *** service that's only looking at Experian, for example, and there's potential fraud on the Transunion one you're still exposed. So make sure they check for all three. Also look for services that include identity theft insurance as an added layer of protection, aa um identity guard and Lifelock or you've probably heard of Lifelock seen the commercials. There are *** few that we found that are pretty highly reviewed. Tony. We hope that helps if you're at home and you have *** question for me. Email me any time Rawson responds at hearst.com. We try to get to everything back to you.