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you thinking of subscribing to an Identity Theft Protection company? Given the growing crime rate of identity theft, it is definitely wise to take this particular action in protecting yourself from identity theft. Here's what you should know before subscribing to an Identity Theft Protection company.
An Identity Theft Protection company usually offers the following services:
1. Tracking of credit report, police report and medical records. Whenever your credit card is used or whenever your social security number is included in an application form [link widoczny dla zalogowanych], your Identity Theft Protection company will notify you. If the transaction was unauthorized, the company would then make a trace to find out who tried to use your identity. The company will also track down any unknown addresses that are affiliated with your name and will also take a look at the DMV records in your state.
2. Alerts in case of any suspicious activity. Once detected, your account will be frozen and you will have to confirm if it is indeed unauthorized. If it is unauthorized, your account will continue be frozen and the company will notify the authorities. If it is authorized however [link widoczny dla zalogowanych], your account will be reactivated immediately. This is very helpful as normally the only way you would know of this is if you are already harassed by collection agencies or when you try to get credit only to find your credit rating has been thrashed.
3. Assistance in the process of clearing credit. Should the thieves be successful in using your identity [link widoczny dla zalogowanych], the company will help you with the police regarding warrants, as well as assist you in getting collection agencies to stop harassing you for debts that aren't yours.
An Identity Theft Protection company offers various plans:
The basic plan usually covers tracking of your credit report and alerts in case of suspicious transactions. You will also receive notifications every time a new account is opened or a new inquiry appears on your report. Given the rise of competition in lending, note that many lenders offer this basic plan for free.
Meanwhile, in a more detailed plan, you can receive monthly reports (as compared to yearly reports in a basic plan) and counseling services. Some Identity Theft Protection companies also cover out-of-pocket fees in case you become an identity theft victim. This detailed plan usually charges a reasonable fee of $100 per individual or $150 per household annually.
There are also comprehensive plans available which covers each and every cost the consumer incurs through identity theft. Obviously, this service would warrant higher fees.
A few examples of top-notch Identity Theft Protection Companies include LifeLock Identity Theft Protection and Equifax Credit Monitoring Service. Note that LifeLock offers $1,000,000 Identity Theft Protection Service Guarantee.
Subscribing to an Identity Theft Protection company is just one of the ways you can protect yourself from identity theft. There are other simple steps you can take like being more cautious in all your transactions and being more careful with regards to your personal information. You certainly can't go wrong with taking extra precautions when it comes to protecting yourself from identity theft.