Identity Theft Protection

Life Lock Review: Visit Site | Back to the Comparison Matrix

Life Lock is a value-filled identity theft protection program due to its great price. Lifelock starts off with setting fraud alerts on your credit report file with all three credit bureaus. These fraud alerts mean that lenders and credit companies must receive written or phone verification from you before opening a new credit account. This is effective in battle identity theft to prevent identity thieves from opening new credit accounts by having your personal identifying financial information. This is in contrast to credit monitoring services with reports any change to any of your three credit reports so that you can spot any fraudulent activity. Perhaps combining Life Lock's service with that of a credit monitoring service is an option to look at.

Life Lock also protects your kids form identity theft by installing fraud alerts for them as well. Lifelock reduces the number of pre-qualified credit card and loan offers and mailings you receive since they provide an easy way for identity thieves to apply for credit with your name. If you ever lose your wallet or have it stolen, Life Lock will contact and report each credit card, debit card, checkbook, social security card, and driver's license for you. They will also monitor the internet's most popular databases of stolen data (social security number, credit card number, email, and driver's license number) to quickly identify if someone has stolen and is trying to sell your info.

Lifelock provides a $1,000,000 identity theft protection insurance at no extra charge. This will help cover any expenses, lost wages, or recovery time and fees associated with getting your identity back should you be the unfortunate victim of identity theft. The CEO of Lifelock believes so much in the product that he publishes his social security number on the Life Lock site. Life Lock is a BBB accredited business and has received a 5 star rating from Top Consumer Reviews.

The Lifelock sign up process with easy and clear. Their helpful customer service is available 24 hours a day 7 days a week. Life Lock is a great value for proactive identity theft protection with a 30 day free trial and a $9 per month charge thereafter.

Identity Truth Review: Visit Site | Back to the Comparison Matrix

Identity Truth is an identity theft protection service that will monitor both your credit report from Experian as well as other data sources. These monitoring services are based on their predictors of identity theft attempts for those high risk data and reports. Identity Truth gives you an easy online listing for all the information on file and thus those information they are monitoring. They maintain an identity health score which gives a tangible numerical indicator of your current risk level for identity theft.

The identity theft monitoring starts off with a copy of your Experian credit report, where you can identify any mistakes or errors and initiate disputes for that. From that credit report, Identity Truth extracts the credit accounts and personal information as starting points of what they are going to monitor. You can also provide additional personal information, credit card accounts, and bank account numbers for them to monitor. Identity Truth also notifies you of any new data security breaches in the country in which your personal information or credit data may have been compromised or at risk of theft.

One area where Identity Theft falls short is that they do not set fraud alerts on your credit reports for you; instead they provide contact information for the three credit bureaus and you must contact them yourself to set those alerts. Since this must be done every 90 days to maintain continuous fraud alert status, this may become a chore and a hassle.

Identity Truth's $2 million identity theft insurance and guarantee is the highest in the business. This theft insurance and guarantee will cover the costs of identity restoration. Identity Truth offers a free 7 day trial period, after which the identity theft protection service will cost $9.99 per month.

Trusted ID Review: Visit Site | Back to the Comparison Matrix

TrustedID is a great identity theft protection and prevention service with excellent features and services. The service starts with a 3-bureau credit report after your address is verified through the credit reporting agencies.

Like many other identity theft prevention services, Trusted ID starts with adding fraud alerts on your credit reports with all three national credit bureaus. Their automated tool will automatically add these fraud alerts for you as soon as the service is started. With fraud alerts, credit card companies and lenders must receive written or phone confirmation from you before initiating any new accounts. Of course this means that any real credit applications you submit may require some delay, but it is a small annoyance to withstand to help prevent theft of your identity. In our tests of different identity theft services, we found that the fraud alert service from Trusted ID was the fastest out of the ones we tested.

Adding or altering credit card accounts to be included in your IdentityID's monitoring service is easy with Trusted ID's easy online application. Trusted ID monitors internet credit card black markets and immediately notifies you if any of your credit numbers show up. Trusted ID will also monitor your medical records form falling into hands of the unauthorized. TrustedID will also opt out of credit card and loan offers and mailings for you, since these are a primary method via which identity thieves are able to open up fraudulent credit card accounts in your name. With TrustedID you can choose to freeze your credit reports for $44.95 and subsequently unlock them all for $39.95.

TrustedID has a identity theft insurance and guarantee for $1 million. The value of TrustedID's service is especially good with family pricing or paying for a full year at once. This is after a 30 day free trial. The cost for a family is $19.99 paid per month or $158.30 per month; and for an individual it is $10 per month and $82.59 per year. At these pricing plans, it is an especially great value for those families with two or more individuals.