ProtectMyID.com Review: Credit Report Monitoring

NextAdvisor Credit Report Blog Headlines

Credit Report Statue of Limitations
The following is an actual reader submitted question: Q:  How long does debt stay on your credit report? A: According to the FTC's Fair Credit Reporting act, most negative credit information will stay on your credit report for 7.5 years (7 years + 180 days) from the date of delinquency.  It can be a bit confusing, but [...]

myFICO turns 9, offers exclusive 30% myFICO discount
Credit report monitoring company myFICO is turning nine years old, and they're giving you a present. Until March 31st you can get 30% off of any of their services including Score Watch, Suze Orman's FICO Kit Platinum, FICO Quarterly Monitoring, and ID Freeze. When our reviewers looked at Score Watch, they found it to be [...]

Does Credit Report Monitoring include more than one credit card?
The following is an actual reader submitted question: Q:  Does Credit Report Monitoring include more than one credit card? A. Yes, it does.  Credit Report Monitoring keeps tabs on any changes to your personal credit report.  Your credit report covers your entire credit history, which includes all credit cards, loans and any type of credit account you [...]

How a landlord can run a tenant credit report
The following post in our Reader Question series is an actual user submitted question: Q:  What is the best way to do a credit check on a prospective tenant? A: Every experienced landlord or property manager knows that it makes good financial sense to run a credit report on prospective tenants.  This simple step can save you [...]

Can I get a Free Credit Report without a credit card?
The following post in our Reader Question series is an actual user submitted question: Q:   I don't have a credit or debit card. How can I still get a free credit report? A: Contrary to popular opinion, you don't need a credit or debit card to get a free credit report.  In fact, [...]

The New York Times ponders the plight of the Internet user
In this day and age, even the Fashion & Style section of The New York Times is worried about Internet security issues. This weekend, the Times recounted the experiences of Allan Goldstein, a 60 year old college professor who uses the Internet, but does so a bit nervously. He worries that NYU's online system will [...]

New FTC rules will require explanations for higher interest rates
The Federal Reserve and Federal Trade Commission have issued new rules designed to help inform consumers about the impact of their credit histories on the interest rates they are offered when seeking loans. The rules will require lenders to notify consumers who are offered higher interest rates due to their poor credit histories. Consumers who [...]

Data breaches are like mice, or cockroaches
Why are data breaches like mice or cockroaches? Because for every one that you see, there are hundreds or even thousands that you don't see. According to the FBI's top Internet crimes investigator, the public only knows about a handful of the thousands of data breaches investigated by the FBI. Because companies that suffer from data [...]

Popular retailers decline personal checks
The Dallas Morning News points out that many popular retailers, including Diesel, True Religion, Ed Hardy, and Lululemon Athletica are no longer accepting personal checks. Gap and Whole Foods are toying with the idea, as well. Since few customers use personal checks these days, some retailers no longer consider the convenience worth the risk of [...]

Data Breach Alert: Social Security numbers printed on postcards
Last week, the Universal American Action Network, a subsidiary of Universal American Insurance, sent 80,000 postcards to Medicare participants throughout the country. On these postcards, printed above the recipients' names, were their Social Security numbers. The mistake occurred because Social Security numbers are often used as Medicare account numbers. The Universal American Action Network responded by [...]