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What is your rating of Chase Identity Protection?
Posted by Joe on January 12th, 2009
The following post in our Reader Question series is an actual user submitted question. To maintain the integrity of the original question, we do not edit or change reader questions in any way.
Q: What is the rating for Chase Credit Card's program or, do they use one of the programs you have identified?
A: We gave Chase Identity Protection five stars when we first reviewed the service in 2008. However, we found at that time that Chase's service is really more of a credit report monitoring service than an identity theft protection service. Like other credit report monitoring services, Chase gives you access to your credit reports and scores from all three credit bureaus and sends email alerts when any changes are posted to your credit file.
If you are concerned primarily with identity theft, we would recommend Trusted ID or LifeLock. Both services offer plans which will help protect you and your family from financial identity theft. If you would prefer an identity theft protection service that also gives you access to your credit reports and scores, we would recommend Identity Guard.
- Unlimited credit reports and scores from all 3 bureaus with CreditCheck Total
- Do I need another credit report?
- What is my credit score?
- Keep your credit purring like the engine of your car
- Reader Question: Which credit report monitoring services provide ongoing credit report and score data?
One Response to “What is your rating of Chase Identity Protection?”
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August 29th, 2009 at 9:42 am
I signed up for Chase Identity protection about two months ago. When I signed up on the phone, I thought my monitoring started then. However, I found out later that it doesn't start when you sign up; which is why I writing this. When I signed up, the person on the phone never explained to me that my monitoring does not start until, I receive my welcome packet and fill out a form in the welcome packet and send it in to request a credit report. I found out today, there is four ways to start the process of getting the credit report for Chase to start your fraud monitoring. you only find this out by reading the welcome packet. Most people, I think are like me, when signing up for a program, the person whom is explaining the program tells you all the important information about the program. Therefore, why read the welcome packet. (Naive of me and them)
For my naivete, for the past two months, I have paid Chase their money only to find out they were not even monitoring my identity. I was paying for nothing, and had I not call just because. I would have paid for years and not known that my identity was not being monitored.
So, I wonder how many other people out there that are paying Chase to monitor their identity for nothing. I feel this is another way that that big business is preying off of their consumers. Using the fine print to get over on a consumer. They will not call you to say, "Hey Sir or Ma'am, you are paying for a service, but we are not proving that service." " But, here is the reason why we are not proving that service."
I wrote this letter to try to get the word out to people just like me who was not explained that they needed to send in a piece of paper, change to online, or make a phone call to start their service of fraud monitoring.
However, when then they are monitoring your account, I think it is a great deal for a piece of mind.