Credit MonitoringMake monitoring your credit a stress free deal with the help from one of the following credit monitoring services that are available online. The following are some of the top credit monitoring services available for 2011. Get additional information on each individual program listed below and determine which one will match your requirements quickly.
All the credit monitoring service reviews listed are consumer reviews and not guaranteed to be 100% accurate. NASACoLab.org has tested out each individual service and recommend these to you, the consumers. Feel free to view our full comparison chart to determine which service will work best for you and what you need.
|Services:||Our Ratings:||Bottom Line:|
IDENTITY GUARD Review
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|The best value available for ID theft protection plus credit report monitoring. 30 day trial for only $1 for new users.|
Trusted Id Review
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|Good option for those wanting not only credit report monitoring but also identity theft protection. 14 day free trial available for new activations.|
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|Great value for families, easy to signup. Free 14 day trial for new users.|
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|A great option and a great value for what is offered. Take advantage of free 30 day trial available for new users.|
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|A straightforward recovery guarantee combined with quality credit report monitoring. 30 day free trial for new users available.|
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|One of the best ID theft protection services with full credit monitoring, Internet security and a free 30 day trial for new users.|
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|Superb information on user credit report data and identity theft protection with excellent tool options.|
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|No identity theft protection, but assists good with identity theft recovery.|
True Credit Review
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|Lowest priced identity theft detection available. Does not prevent identity theft from occurring.|
One of the scariest realities about identity theft and other fraudulent crimes is the cyber black market. The black market of the internet deals and trades in all sorts of things: real peoples’ credit card numbers, email address lists, online bank account numbers, and a variety of services offering hacking, planting of malware, and much more.
These websites are set up like any other retail website on the internet. There are the vendors – those who sell goods and services – and there are those looking to buy. One might expect the prices for these serves to be pretty hefty, but the honest truth is that they’re not. Despite the cheap prices, the internet black market still manages to be valued at around $276 million, and this number only continues to grow.
For those working hard to protect their identity and their credit on the internet, this is troubling news. Easily the most available products from the black market are credit card companies, accounting for around 30% of the transactions on these sites. This information is known to be widely available from these sites, and they are often sold in bulk. All together, it is believed that the total combined potential worth of all the stolen credit cards stands around $5.3 billion dollars. Stolen financial account information accounts for around 20% of black market operations. Together these crimes account for half of the black market operations taking place on the internet.
The people who run these black market websites span the entire globe. You might have heard about the fairly recent arrest of 28 people involved with the cybercriminal organization, ShadowCrew. These people came from all walks of life and from all over the globe. However, even though 28 people were caught, this one particular organization claims to have more than 4000 members.
Despite all of this worrying information, there is still so much you can do to protect yourself. The most beneficial step is definitely to invest in credit monitoring software. This software is dedicated solely to protecting your credit, and many come with very large insurance policies, which grants even more peace of mind when placing your trust in their services. This software scans these black markets and stays up to date with all the latest tricks and scams that aim to steal people’s information.
Prevention is the best way to act. Credit monitoring software works best when implemented early and when paired with safe internet practices. If you are looking to fortify your identity and other personally sensitive information as much as possible, look at some of the reviews we have for various credit monitoring software companies, such as CreditCheck Total.
There is a lot of conflicting and misleading information out there concerning credit inquiries and their relation to your credit score. Some people aren’t even sure what exactly a credit inquiry is. Essentially, a credit inquiry is when you, an employer, or someone else asks to receive a copy of your credit report. This inquiry shows up on your credit report, and is just one of the many entries that shows up on that report. These inquiries happen when you apply for new credit, and they could be from companies you both know and don’t know about. You’ve probably heard that inquiring about your credit can actually lower that score. Only part of this is true, and there are two different types of inquiries that you should know about. Credit score monitoring services will help you.
The first sort of credit inquiry is when you apply for credit. These inquiries, called “hard inquiries,” are the ones that can negatively affect your credit score. This means that when you apply for a car loan, a mortgage, and several other things. The other inquiries, or “soft inquiries,” are from when you ask for a credit report, when mass inquiries are made in order to send pre-approved credit cards, by potential employers, or by anyone else looking to do business with you. Basically, a good thing to remember is that hard inquiries are those that you intentionally submit in the hopes of getting another line of credit, while soft inquiries generally take place without your knowledge, save for personal requests for a credit report.
While hard inquiries do affect your credit score, it’s not that much, depending on your situation. The amount of inquiries on your credit report come out to equal around 10% of your overall score. The type, frequency, and purpose of the inquiries also plays into your credit score. Think of it this way: if someone is constantly applying for credit cards or other lines of credit in a short period of time, it is most likely that they will have more debt on their hands or are in a rough financial situation. Also, it depends how long your credit history is. If you have a long history with a certain number of inquiries, a shorter history with the same amount of inquiries would result in a lower credit score. Additionally, the credit inquiries made the most recently have the most effect on your credit score.
These inquiries stay on your credit report for two years, and during that time, anyone who is assessing your credit score, such as lenders or creditors, can see them. However, only the inquiries that you made within the past year will affect your score.
If you are looking around for the best deal on a mortgage or car loan, you might be a little concerned about the amount of inquiries on your credit report. However, all inquiries made within a 45-day time period only count as one inquiry, so it’s best to get your shopping done as efficiently and quickly as possible. What you need is credit score monitoring software such as Equifax.
Staying up to date on your credit report is important in many different aspects of life. For example, if you are applying for a loan to buy a car or a house, it could affect whether you ever receive that loan or not. It can also determine if you get employed, and it can affect the price of your insurance. This being said, keeping a close eye on your credit score is a good idea. However, a credit report is not always easy to get a hold of. In the search for your credit score, you will come across advertisements and websites that claim to offer a credit score, sometimes even for free. In order to avoid being scammed – or even having your identity stolen – it is important that you are knowledgeable and therefore safe in your search for a credit report.
Firstly, the Fair Credit Reporting Act (FCRA) is a piece of legislation passed to ensure that all people have access to their credit scores free of charge. However, this credit score is only available for free once a year. There are three ways to access your free credit report. The first is to visit the website created by the three credit bureaus: annualcreditreport.com. The other is to call the toll-free number, 1-877-322-8228. The final way to get your report is by mailing a Annual Credit Report Request Form to the headquarters in Atlanta, Georgia.
The FCRA makes it easy to keep track of your credit, but if you are serious about keeping an eye on your credit, getting a report once a year hardly seems sufficient. Subscribing to one of the many credit monitoring services available gives you access to your credit report whenever you need them.
However, it is important to be wary of websites that claim to offer free credit reports. Never trust these sites with your personal information, because it is possible that it will get stolen and possibly abused. Additionally, these sites will often tell you that your credit report is free, but they will still bill you for other services or require you to sign up for something else. The only authorized place from where to get your free credit report is annualcreditreport.com. The other safe option is to subscribe to a credit monitoring service, which actively protects your identity while granting access to your credit report and letting you know about any sort of suspicious activity which might affect your score. Being able to check your credit score on demand is vital in keeping your financial situation stable, so consider checking out yours from annualcreditreport.com or subscribing to a credit monitoring service such as Identity Guard.
There are many people who are concerned about identity theft and this is certainly a reasonable concern because many people fall victim. There are ways to prevent this from happening such as through companies who monitor the identities of their customers. They advertise and there are easy ways to find them. One great example on how to save money for one of these services is by using the Identity Guard Coupon. There are many other ways to try other services as well.
If one took the time to find out more concerning what these companies offer, they would see that they work very hard to give the best service to their customers. They offer many different services which will help to protect customers from predators who are out there to steal an identity. There are a variety of companies who strive to do so and they do not solely have to be identity protection companies. For instance, there are companies offering popular car protection services who help with car towing and accidental lock outs.
People can freely sign up for these services with a lot of ease. They can be found online and they can be reached by phone or mail. Many companies will go beyond handing out coupons. Many companies will sign people up for a free trial where the person can get 14 to 30 days free.
Next, people can find coupons. People can find them online. It takes doing a search to locate them. These companies like to advertise so they may pop up as an advertisement on the internet. They might also appear in the mail or in a magazine.
These products are worth it because people can have their identity stolen in many ways. People are always lurking on the internet trying to find ways to steal the identities of others. This can be an attempt to get social security numbers, online passwords, and addresses.
This problem can cost people thousands of dollars. For example, people might get the banking information of a victim. They can log into their account and withdraw large sums of money. They can gain access to other valuables or assets that belong to other people when they steal their online passwords.
The purpose of these products is to protect against these thieves. They can monitor credit reports to see if there is any bad behavior going on. They can find people who are tampering with things to obtain ID information. They will provide victim assistance and possibly a million dollars in insurance if money is stolen. But you should keep in mind that it’s crucial to completely understand exactly how identity theft services operates to avoid becoming a unwilling recipient of this detrimental crime.
If people want to help protect their identity, there are many companies out there that provide services to do so. For example, these companies can be found online and many of them will offer discounts so people can try the service. It can either be through a free trial or a coupon. One example is an Identity Guard Review. These services, like Identity Guard, offer many ways to protect identity. They can do credit monitoring and ID monitoring. They will also insure people for any loss of money through identity theft. Knowledge is a vital component of securing your credit, therefore find out as much as you can about identity theft services.
We live in an increasingly hazardous world. Our possessions, our homes and even our identity are the subject of criminal pursuit. We can no longer feel safe enough to leave our doors unlocked at night. It has gotten to the point that many do not feel comfortable leaving windows open during broad daylight while they are home. With the electronic age, there are crimes that can be committed right under our noses and we will not see it, which is why a LifeLock Command Center Coupon can be such a wonderful gift.
While we would love for our stereotype of the dumb criminal to be true, reality has taught us that there are simply some people who may be very intelligent and technologically gifted but are still criminals. The draw may be financial or simply for the challenge of testing their twisted minds against the establishment but the pain is the same. No matter how sophisticated the methods we employ to protect our data, there are those who bend all their will and energy into defeating them. It’s vital to completely understand how identity protection works to circumvent becoming a victim.
With the advent of the digital era, things stepped up to an even more sinister level. Now crimes can be committed from anywhere in the world and you can become a victim without ever even knowing it or discovering it for a considerable period of time. Far from the Hollywood version where fun loving likable people commit victimless crimes against the establishment, people get hurt and can even lose more than money.
With the added convenience and accuracy of the internet and all things electronic came the additional risks associated with data control. Just as it is possible to execute unprecedented financial dealings over the computer, theft can be accomplished just as easily. The concern becomes who is responsible for protecting the data and pathways that criminals use to steal.
What makes it difficult is that we are not all computer savvy and simple actions that should be innocent enough can introduce the opening to our data. If we open the wrong email, we could be infecting our computer with the means to allow a criminal to capture our account number and passwords, as well as our demographic data. With unprotected Wi-Fi, this is easier than setting up an automatic teller machine with the equipment to steal the information.
This natural tendency to trust that our data will not be misused has been abused in many ways, usually unintentionally, but the damage is done. Reams of personal data intended to be safely destroyed have found their way into the hands of the unscrupulous. This data can then be used to recreate false identities with your data and the photograph of another person, leaving you vulnerable in many ways. Your medical benefits, credit worthiness and even your citizenship can be used by someone else.
As exasperating as being charged for medical care not receded is it can be worse. Imagine the scenario wherein your identity was stolen and used by someone else for medical care. Then imagine you are in an automobile accident and taken to the hospital unconscious and requiring blood transfusions and the data in their computer system for you has the wrong blood type because someone else used your identity. This could actually be life threatening.
No matter how it is accomplished, the aftermath of a stolen identity is a nightmare. On average, it takes more than six hundred man hours to untangle the confusing web of manipulation perpetrated by an identity thief and not all of it can be removed or restored. Learning all you can about Identity Theft Protection is one of the most important things you can do to safeguard your credit. But having a company like LifeLock Command Center to protect your personal information before the incident can happen can be invaluable. You should check out this LifeLock Command Center Review if you need any more convincing.
This Equifax Credit Monitoring Review encompasses a number of different services that help to safeguard important credit and personal information that is vulnerable to identity theft. All of the major credit reporting bureaus have credit monitoring services for a monthly fee. As more cases of identity theft arise, the more people are signing up for these types of services.
Identity theft has been on the rise in recent years. Thieves have found many creative ways to steal other people’s personal information and use it to open up new credit cards or other engage in other illegal activities. They end up stealing thousands of dollars and ultimately ruining the individual’s credit. Once this happens, it is very difficult to correct and may in fact take several years.
Individuals must take certain measures in order to protect their credit information. Credit fraud continues to be a growing problem and consumers must frequently track the credit information reported on their accounts. There are a number of ways people get their personal information stolen. There are many services that will help consumers detect unauthorized activity on their account.
Individual’s that have had their credit damaged as a result of credit fraud will have to spend a lot of time correcting their credit situation. Until the matter is resolved, this individual will have to live with the consequences of having poor credit. They will be denied loans and other forms of credit until their credit report is restored to its original state.
A number of different businesses provide identity protection services services. These service range in the level of monitoring that they are able to perform for their customers. A basic service will send email alerts regarding any type of activity that is reflected on any of the three reporting agencies. Customers will be notified about any credit cards that were opened in their name, loan applications and other important financial information.
Many of these plans also provide the added security of a theft identification insurance policy. This policy offers added protection from the costs involved with trying to restore a damaged credit account. Once someone becomes a victim of identity theft and their credit has been damaged as a result, it becomes very expensive to repair the damage. Plus, there is the money that was stolen from the account that needs to be replaced. Most of these policies do not require a deductible, which is an added bonus.
Before deciding on which service to go with, you should investigate all of the different plans. The credit bureaus each have plans that they offer their customers. Each one is different, offering various levels of protection and monitoring. If your account has been previously breach, it will be a very good idea to sign up for some kind of monitoring plan. Most of the plans will also included unlimited access to your credit report statements.
This Equifax Credit Monitoring information can be used to help to determine the best monitoring plan for your needs. Look into every identity theft insurance plan and find the one that fits within your budget and offers the level of monitoring that you need. It is important to take the necessary measures to protect your credit and monitor your credit activity; and companies like Equifax Credit Monitoring do it best.
Have You Lost Your Wallet Or Has Someone Stolen Your Purse? Here’s What You Should Do
A wallet or a purse is a goldmine for an identity thief, as they are full of the personal information that they need to exploit your credit and your name. This information can be sold and traded very easily to criminals, as seen on the Dateline MSNBC video we have on our homepage. Identity theft is a serious and frightening situation, but there are things you can do today to help you prevent such a thing from happening. If your wallet or purse is lost or stolen, here is what you can do.
1. Contact your credit card/debit card issuers.
Ask to have your account number changed, and understand what sort of options you have. Your first option is calling and completely canceling all of your cards. This choice is not recommended very often, as canceling a card that has money due or canceling a bunch of cards at once can negatively affect your credit score. Just canceling cards might also prompt banks to increase the interest rate on a balance you may still hold. Your best option is to contact the customer service department for each specific card and explain what has happened, as a majority of the time, they have procedures and plans to help you address the situation.
– 800-555-1212 is the number for toll-free assistance, or call the phone numbers on your statements.
– Get a new account number, and ask to have any sort of benefits (like mileage) transferred. Keep the same credit limits with same or better terms, as this helps maintain your credit score.
2. Contact the local police department or sheriff’s office and file a report with them.
– Definitely don’t disregard this step, as it is necessary should you fall victim to an identity thief.
– Retain a copy of the police report.
– Here are some questions they are likely to ask while filing your report:
* When did you first realize your purse was missing?
* Where do you think it was left or stolen?
* What were the contents of your purse or wallet?
* Can you describe the objects in your purse or wallet?
* Do you have a suspect or a description of who took it?
3. Contact all three of the major credit bureaus and ask for them to place a fraud alert on your file.
– Experian PO Box 9595, Allen, TX 75013-9595 Tel: 1-888-EXPERIAN (397-3742)
– Equifax PO Box 740241, Atlanta, GA 30374-0241 Tel: 800-525-6285
– Trans Union PO Box 1000, Chester, PA 19022 Tel: 800-680-7289
Fraud alerts work by requiring creditors to validate your identity prior to approving any credit.
This is usually done by calling the phone number you placed on your personal account when you set up your fraud alert.
4. Talk to the fraud department of your bank or credit union and report what happened.
– This step can possibly be combined with step 1, especially when dealing with debit cards.
5. Order your credit reports and start scrutinizing them very carefully.
– Get your Annual Credit Report from the government mandated free service.
– Keep an eye out for incriminating activity, and if you find some, report it.
6. Inform the state Department of Motor Vehicles of your missing driver’s license.
– Be sure to check how to go about getting a new license when at the DMV.
7. If any of your keys are missing, like your car or home keys, change the locks as quickly as possible.
– Many people disregard this step. Even if you get all of your stuff back, a criminal may have made a duplicate copy of your keys before they were recovered.
8. Create an inventory or everything that was in your stolen purse or wallet.
Be sure to include everything you can possibly think of. In fact, keep this list with you for a couple days so you can continue to add to it when you remember. Absolutely everything should go on this list: credit cards, shopping cards, gift cards, Blockbuster cards, cash, chapstick, information about your children, and so on. Having such a detailed list makes the situation much easier to deal with.
Here are some things to remember:
* Did you have any blank checks in your purse or wallet when it was taken or lost?
* Did you have any account numbers or passwords?
* Where there house or car keys?
* Identification cards for pick up from daycare or anything like that?
* Combinations to a padlock, safe deposit box, or mailbox?
9. Research and Subscribe to a Trustworthy Identity Protection Service
While this is only a suggestion, we wholeheartedly back this piece of advice. Trust me when it is worth it, even if just for the peace of mind. Lifelock, TrustedID, and Debix are all great companies. They are not only affordable at $9 a month or $99 for a year, but they also are with you the entire credit and name restoration process.
Having your identity stolen is a terrible situation. What’s even worse than losing your purse or wallet is having to jump through all the hoops and having to spend all the time and money getting back to your normal life. Subscribing to a service now gives you full protection, and despite when the attack starts, you will be safe. Afterall, identity thieves often wait months to years to start an attack. Under these services, you also gain access to a million dollar insurance plan and service guarantee. However, waiting is the worst thing you can do. If you wait, you will not be able to get insurance from anyone.
We have an article addressing the question of if you really need identity protection. Definitely take the time to read this article, as it is full of useful tips and information that many people have no idea about.
10. Talk with your bank
The Federal Trade Commission currently has no cap on the amount of money you could lose if someone where to get their hands on some of your checks and forge your signature. While the state technically holds the bank responsible for these loses, the bank requires their customers to “take reasonable care” of their accounts. This ambiguous qualification is where many people lose. Stay under this qualification by closing your current checking account and starting a new one. This is especially important if any of your checks are missing. The bank will then alert it’s internal processors of the closed account. However, it is recommended by the FTC that you call yourself, as someone could still possibly be able to use your checks. Here are some numbers:
– Certegy Inc. 1-800-770-3792
– International Check Services 1-800-631-9656
– TeleCheck 1-800-710-9898 or 927-0188
It’s easy to panic and become stressed when your purse or wallet is lost or stolen. However, you are already better off armed with the knowledge of what to do. Acting quickly can help you slip out of the situation without it escalating into an even more disastrous one.
In a situation where a wallet is stolen or a purse is lost, protecting your identity is paramount. There are things you can do to help keep damage to a minimum should something happen. Certain precautions can be made to reduce the impact should your personally sensitive information ever become compromised.
Here is some advice to help you avoid stress, time, and losing money:
– Don’t carry items that you don’t need in your purse or wallet. Keep all of your important stuff in a secure location.
– Create a very specific, detailed list of the things you carry with you.
– Absolutely never carry your Social Security number or card in your purse or wallet.
– Also never carry passwords or account numbers in your wallet or purse.
– Be sure to keep important contact numbers and personally or financially sensitive information in a safe place where they can be accessed quickly and easily if necessary.
– Invest in identity protection services.
* Lifelock is only $99 per year or $9 per month, and you also get your first 30 days for free. LifeLock also offers the WalletLock service, which means you only have to make one call if your wallet or purse is stolen. They will then take care of getting you a new ID.
* Keep in mind that there is more to protecting your identity than removing your name from pre-authorized credit card mailing lists and fraud detection. Identity insurance and service guarantees are an indispensable part of good protection. Having a million dollars to help you get out of an identity theft situation and being guaranteed that your good name will be restored is all part of having the power of an identity protection firm on your side.
* We have reviews of LifeLock, TrustedID, and Debix for your perusal. They give a comprehensive look at what these services offer, and you will also find some helpful advice. Hopefully, though, they show you just how necessary a solid protection plan is in today’s world. Timing is everything, so take action now before something bad happens that threatens your financial stability.