Professional ID Theft Services

ID Protection Services

Consumers have a variety of services available to them in the fight to protect themselves against identity thieves. Agencies like the Federal Trade Commission and your state's attorney's general office are government funded. These government offices exist to serve everyone free of charge. Additionally, private sector companies like the credit bureaus monitor consumer credit records. The credit bureaus can provide reliable information on account activity made in your name. That kind of information may alert you to possible ID theft. But what about private ID theft insurance companies?

Is ID theft insurance worth the money?

Concerned consumers want the best protection available when it comes to their identity. Dealing with the damage associated with credit card fraud or other types of identity theft is every consumer's worst nightmare! But is ID theft insurance worth having? Like any service, you get what you pay for---and not all ID theft protection services offer identical or even similar services.

What should I expect from a private ID protection provider?

If you want to cover all your bases when it comes to solving your identity theft deterrence, detection, and defense needs, then identity theft insurance can offer you peace of mind. But only if you choose an ID theft protection service that actually meets your needs! So what should smart consumers look for in ID insurance?

Proactive strategy, not reactive service

An effective ID insurance service doesn't simply provide you with help in the event of identity theft; it takes proactive steps to insure that your identity is never stolen in the first place. Expect your identity theft insurance service to regularly order your credit reports for you so that you can easily identify unauthorized credit activity. Also, inquire if your service will take steps to discontinue the mailing of pre-approved credit offers to your home or business.

Credit fraud alerts

By placing your credit report on initial fraud alert, creditors are required to contact you and confirm your identity before authorizing the use of any new accounts. However, these fraud alerts expire every 90 days. Expect your ID theft protection service to continually update your fraud alert status.