March 23, 2017
IDENTITY GUARD TOTAL PROTECTION℠ is the best credit monitoring service and an outstanding credit protection company. They do a great job identifying if your information is being sold illegally over the Internet or changed fraudulently in databases. There are three products included in the IDENTITY GUARD TOTAL PROTECTION service: credit account protection, Web monitoring and security software.
IDENTITY GUARD’s credit account protection is more than comprehensive. Instead of simply placing a fraud alerts on your credit file, IDENTITY GUARD tries to stop unauthorized use of your personal information before it occurs. This service includes a search for applications of credit in your name, such as credit cards or loans, as well as a search for applications for other accounts, like cell phone registrations. This application search takes place every business day. In addition, the service monitors your credit report to notify you of certain changes to your file.
Save $36 every year with our discount. IDENTITY GUARD TOTAL PROTECTION Discount – click here
If changes are made to one or more of your credit accounts at any of the three credit bureaus, IDENTITY GUARD will send you an email within 24 hours of the change so that you can quickly block and/or close the accounts and report the matter to the authorities. In our opinion daily three bureau credit monitoring is a must have for any monitoring service. By utilizing MOBILE LOCKBOX® (see below), you can choose to be alerted of any changes via text message. There is also a simulator for those looking to improve their credit score that allows them to see how different scenarios affect their credit score.
With its Web monitoring service, IDENTITY GUARD will scour the Internet far and wide to see if your information is being released or shared by identity thieves. This is possible because the service scans the online markets and channels used most often for the illegal trading and distribution of personal information.
The company will also check public records databases for inaccurate information regarding your accounts, which may occur because a thief has compromised your information or may simply be errors, but either way, you can correct them in a timely fashion. In other words, you will be alerted to changes to your sensitive information to help you stop identity thieves before they start opening accounts.
IDENTITY GUARD’s security software is known as ZoneAlarm. It was created to target identity thieves who try to install software on your computer through websites or emails or who con you into sending them your personal information through spoofed web pages. It has the capability to block viruses, spyware and fraudulent emails to protect you from phishing attacks, hackers and malicious spam. The software is updated regularly as new viruses and phishing attacks are created. ZoneAlarm is just as effective as McAfee and Norton internet security suites so you are in effect saving $50 per year by not having to purchase those products and it doesn’t hog all your system resources like Norton does. In other words your computer will run faster.
In addition to the above services, IDENTITY GUARD TOTAL PROTECTION offers two more services to give you more convenience and peace of mind: PRIVACYPROTECT® and MOBILE LOCKBOX.
PRIVACYPROTECT is another Web security product that can protect your personal information. Some of the more high-tech identity thieves can steal your personal information by remotely installing software on your machine that records your keystrokes as you type in personal information. You may already have this spyware on your machine without even knowing it. Once your machine is protected with PRIVACYPROTECT software, your keystrokes will be encrypted. So even if he is recording your keystrokes, all the spy will see – and be able to copy – is gobbledygook.
MOBILE LOCKBOX is a program that can help you safely store user names and passwords. Since the most secure passwords and user names can be complicated and difficult to remember, this service gives you a trusted place to keep them without writing them down while still allowing you to access them at your fingertips. All you need is a cell phone, PDA or computer to “lock up” your account numbers, passwords, files, records and other sensitive information. Plus, with all of this information in one place, it’s easy to cancel all of your accounts if you find that they have been compromised or if your wallet or purse is lost or stolen. Just give IDENTITY GUARD a call and it is taken care of all at one time.
IDENTITY GUARD’s Identity Theft Assistance Center will assist you through the entire process of recovery if you are ever victimized by this horrible crime.
Identity theft insurance* is also provided with coverage of $1,000,000 with no deductible for unauthorized fund loss, legal defense, lost wages and costs or expenses you may incur to recover your identity and restore your accounts. Some restrictions ($1000/week up to 4 weeks for lost wages for example) do apply so please see IdentityGuard.com for further details about their ID Theft Insurance.
They do promise to reimburse you for any financial loss as a result of identity theft with their simple no-nonsense disclaimer: “On the slim chance that your money is stolen by identity thieves while you are a customer, you will be reimbursed the difference between your actual loss and the amount reimbursed to you by your financial institution, up to $1 million. The major stipulations are that you: report your loss to us within 90 days; you let us help you recover your losses, you apply for reimbursement from your financial institution.”*
With its credit monitoring and comprehensive online protection, IDENTITY GUARD is the perfect weapon against 21st century thieves. With over 10 million identity theft victims per year, they are a great partner to have on your side. It’s much better to be protected than to end up in those statistics.
IDENTITY GUARD is offering their TOTAL PROTECTION service for $16.99 a month (regularly $19.99) with a 30-day no-obligation trial period. Price is locked in for subsequent years so long as you don’t cancel. Just click the link below this sentence to receive this discount and get the peace of mind you deserve.
Intersections, IDENTITY GUARD, TOTAL PROTECTION, PRIVACYPROTECT , MOBILE LOCKBOX and ID RISK ASSESSMENT®
are federally registered trademarks of Intersections Inc.
*Reimbursement will be provided by insurance carrier. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions and is subject to actual policy language.
March 23, 2017
TrustedID is a very strong identity theft protection company with a service that is second to none. Their service offers complete protection from identity fraud and they back their service with a $1 million guarantee and identity theft experts to help restore your good name in the unlikely event you do become a victim.
TrustedID is great for families as it’s the only credit monitoring service that offers a family plan covering everyone living in the same household. So those who take care of an elderly parent or have a large family can save a lot with this discount.
Trusted ID’s suite of products for consumers is entitled IDEssentials, and contains several products that provide a comprehensive protection plan to help prevent thieves from damaging your credit, stealing your identity and creating havoc with your life. Here are the details.
The first line of defense in TrustedID’s identity protection arsenal is there daily 3 bureau credit monitoring (Equifax, Experian and TransUnion) with bonus credit score. This will notify you promptly via email of changes in your credit accounts that you can then check to make sure that all transactions are legit.
TrustedID also gives you an easy-to-understand way to gauge your risk of identity theft, called an Identity Threat Score, by assigning a score between 0 and 500 with 0 meaning you are not at risk. They calculate this score by using advanced technology, previously only available to large financial institutions, to search millions of public and private database records and then analyze the information (including personal, financial, credit, and more) for patterns that could indicate if you are – or are about to become – a victim of identity theft. These scan are routinely done and are the leading fraud detection tool.
TrustedID will also send you a free copy of your credit report from each of the three bureaus on a yearly basis, without you even having to request them. Trusted ID also monitors your credit card and bank account numbers in addition to your Social Security number, so you will get an email if any unusual activity is detected, as soon as it occurs, to help thwart any attempts to compromise your identity or credit. For example, when TrustedID finds your information online in a place where it shouldn’t be. There are many black market internet sites run by criminal organizations that routinely sell our private information and Trusted ID monitors them daily.
Fewer eyes should be passing across your credit file once you sign up for TrustedID. The company will remove your name and information from solicitors’ lists so third parties will not have access to your private credit information for marketing purposes thus cutting your junkmail and stopping those pre-approved credit card offers that thieves love to steal.
TrustedID offers a warranty of up to a million dollars if identity theft does occur while you’re a member. This money can be used to cover expenses you incur in recovering your good name, such as application fees for new credit, legal fees, and any missed work due to problems with your employment qualifications, etc. You will also gain access to company-provided services to help you restore your identity as quickly and efficiently as possible. It is great to know that if your identity was compromised you would have trained professionals on your side.
TrustedID has a 24-hour, 7 days a week customer service line staffed by experts in the field. The company can be contacted anytime if you have a problem, for any general questions or concerns you have about protecting your identity in addition to questions regarding its specific products and services.
Another thing that makes TrustedID stand out is the fact that it allows you the ability to “freeze” your credit at your discretion at all three bureaus. With the CreditLock service, you can place a “lock” on your credit files, denying both companies and individuals access to it. This means that even if you want to open a new account that you will have to contact TrustedID and “unlock” your credit files so a legitimate credit check can be done, such as when you are applying for a loan. This is a much easier task than contacting all three bureaus though it still takes a day or two to make your credit report available to creditors. There is an extra fee that varies by state for this additional service but it is great to know that if you are under attack you could simply call Trusted ID and take this extra precautionary step.
Trusted ID costs $170 per year for individual protection or $300 per year for family coverage.
June 18, 2011
In 2014, Equifax purchased TrustedID which quite simply offers better protection with its ID Essentials package then anything reviewed below. Its not only a more comprehensive service but its also cheaper by quite a bit. Read the review below if you like but we think you would better off reading about Equifax’s new service TrustedID.
The credit bureau, Equifax, offers a variety of credit monitoring services that can help protect you and your family from identity theft. Instead of just one blanket service, Equifax has a few different ones. This way you can cater your credit monitoring to your needs or the needs of your family.
Traditional credit monitoring services
With each of these services you will get daily alerts of any changes to your credit file that could signal an identity thief is making fraudulent transactions in your name. These changes include but are not limited to new accounts being opened or your contact information being changed.
Also, all of these plans give you the security of a $1,000,000 ID Theft Insurance policy. This policy protects you from many of the costs associated with restoring your credit and accounts if you do become the victim of identity theft. Once you start using the service, identity theft is less likely to occur. But in case it does happen you will be covered. There is no deductible on this policy. Insurance underwritten by member companies of American International Group, Inc.
This is the most in-depth credit watch program that Equifax offers. With 3-in-1 monitoring you will be alerted daily of changes not just to your Equifax credit file but also to your files at the other two major credit bureaus, Experian and TransUnion.
Equifax Complete includes one 3-in-1 Credit Report with 3 scores, with details about what’s impacting each of your scores. The score power gives you your score from each of the 3 main credit bureaus plus a simulator that allows you to predict your credit score based on actions you take to improve it. It also includes unlimited access to your Equifax credit report and score.
If you want they will even give you additional identity protection through their Automatic Fraud Alerts feature.
Equifax Credit Watch Gold with 3-in-1 Monitoring
This service is similar to the previous one except you do not have the credit score benefits.
Equifax Credit Watch Gold
Again, a similar service. With this plan, you receive daily monitoring of your Equifax credit file only as opposed to your files at all three credit bureaus. This plan is the most affordable and it provides an ok level of coverage since the credit bureaus will usually share information but we do not recommend it unless you have other credit protection plans in place.
Why? If a creditor granted credit in your name through a different bureau and the information did not propagate to Equifax you would be unaware of the theft and could face a horrible experience restoring your credit and good name. There is also a delay in time from when a change in your credit report at one bureau propagates to the others.
Equifax has 24/7 customer service but unfortunatley credit bureau are not known for quality customer service.
January 27, 2010
Chase Identity Protection is a service for Chase cardholders only that monitors all three credit bureaus daily and includes monthly credit scores and reports from all three credit bureaus. You can see your credit score from Experian, Equifax and TransUnion and track changes to it monthly. The score provided is not your FICO score but this is the only negative of the service.
What we really like about Chase’s credit monitoring service, besides the fact that they aren’t a credit bureau, is that they give you instant online access to your credit reports and scores. No need to wait for snail mail here unless of course you want to. They also notify you automatically of any account changes in your credit file.
We also like their pricing, $11.99 a month. Chase does not use gimmicks, like “Free Credit Report”, then start charging you large sums after you free 7 day trial – a practice the credit bureaus used to do. Chase is upfront and provides you with easy cancellation by toll free phone and even if you cancel months in to the service they refund your last billed month. Now that’s treating the customer right.
Chase also includes identity theft insurance underwritten by Travelers Casualty and Surety Company of America in the amount of $100,000 which is a bit lower then most credit monitoring services. The insurance covers lost wages of up to $1000 per week, legal fees that have been pre-approved by Chase and other routine expenses, such as long distance calling fees, postage and other items related to recovering your identity.
Chase also offers assistance if an incident occurs and includes reviewing credit reports and access to well trained representatives who can help you correct inaccuracies in your credit report or fix incorrect account changes in your credit file discovered through daily monitoring. In the event of identity theft they also give you a case manager to work with who helps create a strategy on the best and most efficient ways to resolve the incident.
Chase is a well priced credit monitoring service that can be a good choice for Chase cardholders as you must be one to avail yourself of their service. Are there better credit monitoring services out there? Yes, there are. Identity Guard and TrustedID come quickly to mind and certainly offer better identity theft protection but sometimes it is better to deal with a company you are already dealing with and for Chase customers that may be there reason to fore go a few other benefits and stick with the company they are used to.
Help Protect your identity with Chase today. ***CardHolders Only