This is a little outside our normal area of expertise, and look we're not tax attorneys we're not legal advisers.
So you need to take everything we say with a grain of salt and that it's from technical advisors not legal ones. But the answer, generally is no if you have to pay for credit monitoring it's probably not worth it.
Now you do need to keep track of your credit score and you should watch your credit reports but you shouldn't have to pay for it. If you go to WWW.AnnualCreditReport.com ,you should sign up to be able to look at each of your three major credit reports once a year. I space mine out looking at each of them, one every four months, so I get a good idea of where my credit is going. In addition you'll find the website CreditKarma.com that is credit and karma with a K.. useful it lets you to do free credit monitoring. You do need to give them your social security number and that feels a little weird but they're completely on the up and up and they're definitely worth the time.
I've recently become aware of a useful website called civic.com and it provides free credit monitoring just like the services you'd have to pay for. Now this is a website provided by one of the credit monitoring services. I'm guessing they found it was more useful to let people monitor their credit than have to fight with them afterwards. It's a free service. It's safe. It's definitely worth checking out civic.com. So don't pay for credit monitoring, use one of these free sites to help you keep track of your credit score and your credit reports.