You are REQUIRED to keep MONTHLY credit monitoring for us to see all 3 of your credit reports every 30 days, in order to update you with any changes, such as deletions/updates that have occurred. It is impossible for us to do our job without you having credit monitoring. So, If you can not afford to pay $29 monthly for credit monitoring, please do not sign up for our services. If you downgrade your credit monitoring during our program, we will cancel your account with us. The account that you sign up with is the one that you need to keep until you cancel services. The cheaper plans do not give us all of the information that we need. Again, if you cannot afford to pay $29 a month for credit monitoring, simply do not sign up.