Q: My soon-to-be-ex keeps getting credit cards in my name. I don't know anything about them until they go into collection. Will Identity Guard let me know every time my Social Security number or my info is used to get credit?
A: Yes, Identity Guard will let you know every time your Social Security number or other personal information is used to apply for a new line of credit. Credit monitoring services, like Identity Guard, literally monitor your credit report(s) for changes or updates. This means they will alert you – usually via email and/or text – as soon as an important change occurs to your credit report(s). These changes typically include new credit applications‚ cell phone accounts‚ mortgages‚ or loans in your name as well as any credit inquiries, changes to existing lines of credit, address updates, bankruptcies, foreclosures, judgments, wage attachments and liens.
Identity Guard provides 3-bureau credit report monitoring so you can be assured that you aren't missing out on any updates to any of your 3 credit reports at Equifax, Experian and TransUnion. In addition, they scan the Internet black market and chat rooms for the use of your credit/debit cards and personal information (including your SSN) and will alert you if they find fraudulent or suspicious use of this information. Identity Guard also monitors public records for any changes in your name and scans databases for application or Social Security fraud. And to protect you while you use your computer, Identity Guard members receive Zone Alarm Internet Security software, a total Internet security suite that includes anti-virus, anti-spyware, firewall and anti-phishing. Right now Identity Guard is offering NextAdvisor readers a 25% discount and free 30-day trial so it's a good time to try it out and see if it fits your needs.
2 Responses to “Will Credit Monitoring Services Let Me Know When My Social Security Number Is Used?”
Leave a Reply
Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most of the services we review. Our editors thoroughly research and whenever possible test each service we review and offer their honest opinions about each one. We are independently owned and operated and all opinions expressed on this site are our own.