ID Theft Company

Make The Wise Decision. Secure Your Identity Today.

It may sound crazy, but the Federal Trade Commission says that many of the 9 million victims of identity theft each year are under the age of eighteen. This is why you might want to follow in the footsteps of those wishing to protect their credit scores by using a reputable identity theft protection service. With the aid of new technologies, thieves are becoming craftier. To stay ahead of the game and protect your assets, you should seriously consider identity protection.

Studying Your Credit Record for Unusual Activity

Identity protection services provide you with free credit reports, which enable you to correct any inaccuracies that might negatively impact your credit rating. Bad credit can result in loss of employment or rejection for loans and other applications for credit. And becoming a victim of identity theft will lower your credit rating, so it is important to catch it quickly to prevent further damage.

Identity protection companies help to monitor your credit and check for suspicious activity 24/7, which is more effective and easier than you trying to protect your credit on your own. Identity theft services also offer such features as wallet watch, database monitoring and junk mail removal. They are continually developing new systems to fight against the increasingly sophisticated techniques of identity thieves.

Guaranteed Funding of 1,000,000 in Loss

Identity theft protection services are available and many companies offer a $1,000,000 guarantee. What does this mean to you? If your identity were stolen the protection service would offer its resources to restore any damage that has taken place. The thought of this is simple but conditions of the guarantee can vary. When identity theft does occur, the protection company is there to assist you. There is a significant cost to repair the damage identity theft produces. A small monthly fee is a minute price to pay in comparison to not having protection service.

What do Identity Protection Services Offer?

You will find out that many services give a variety of help. Here is what many businesses will offer you:

1. Credit Protection
2. Financial Accounts Monitoring
3. Database Security
4. Individual Identity Protection
5. Business Id Protection
6. Instant Fraud Alerts
7. Guaranteed Against Loss

The following is what the above services will help to prevent:

1. Bad Marks to your credit report
2. Loans in your name you didn't approve of
3. Public record changes
4. New bank accounts take out in your name
5. Drainage of your bank funds

Every service has its own strengths, and you must figure out individually which one you prefer. We provide complete reviews for every service, so you'll be able to individually choose which service you feel is ideal. A few services provide better individual plans; a few provide better family ones. Additionally, every service provides varying features; a few provide better monitoring of credit, and a few provide better monitoring of databases. Figure out what you require, and choose the services that fit with your needs.

Learn how Lifelock Protection works.

Consumer Credit Reports – Your Rights

Consumer credit files are held with the main credit bureaus, Experian, Equifax and TransUnion and they contain the personal credit history of millions of consumers around the world.  Because each credit report contains important personal information, each consumer has a right to see their credit reports under The Fair Credit Reporting Act (FCRA), and the credit bureaus are also required by law to ensure that these reports are correct and complete, so you also have a right to challenge any erroneous or suspicious entries on your report. Learn more about id protection.

All consumers are entitled to a free annual copy of their credit report, which they can request in writing, via the website or by contacting the credit bureau by telephone, so you must be very wary of any third party companies attempting to ‘sell’ you a copy of your own credit report for a small fee.  If you want to more than one copy of your credit report in the same year you may have to pay a small fee to the credit bureau though as they are only required by law to provide you with one free copy every 12 months, however if you have received a denial for a credit application because of the details supplied by the credit reference bureau you are entitled to claim another free copy of your report as long as you request it within 30 days of receiving the application denial notice.

Consumers also have the right to know exactly who has been accessing their credit reports, which financial institutions and lenders do regularly in order to send out pre-approved credit offers and if you decide you do not want anyone to access your report in the future you can set up a credit lock or ‘freeze’ which will prevent anyone from requesting copies of your report.  This will prevent you from requesting credit yourself in the future, so you will need to unlock or unfreeze your report if you intend to apply for a new credit card, bank account or any other credit product.

Ways to Avoid Credit Card Skimming Frauds?

Credit card skimming is when thieves use sophisticated technology to record your credit card details, in order to clone your card and run up charges and debts in your name.  It can be difficult to spot skimming scams, as thieves can often use very convincing methods such as attaching false card readers to ATM machines that you may not be able to spot, or using keyboard covers that capture your PIN numbers as you type it in to ATM or handheld card readers in shops, bars and restaurants.

There are ways you can help to reduce the risks of becoming a victim of skimming, and it is important to treat your credit card details as confidential, and not use your card to pay for anything unless you are sure the recipient is genuine, and is going to treat your information securely:

  • Use ATM machines inside banks wherever possible, as these have better security and are less likely to have been tampered with.  Avoid ATMs that are in isolated places, and also stand alone versions (which also have the disadvantage of charging you for taking out cash) as these are more likely to have been tampered with.
  • It can be difficult to spot fake card readers, as they can be very sophisticated, but look out for any obvious signs of tampering such as loose, ill fitting card slots on ATM machines or odd looking keypad covers, and if your card is retained by the machine for no reason at all (and you know you still have money in your account) then contact your provider immediately and get it cancelled, as this is another method thieves have of obtaining your credit cards.
  • Cover the keypad as you enter your PIN number when paying for goods or taking our money, and make sure no one is stood close to you when you do this.  Thieves can often practice ‘shoulder skimming’ in order to try and memorise your PIN numbers and card details.