ProtectMyID.com Review: Credit Report Monitoring
|Sign up for ProtectMyID.com|
|Cheapest monthly price to monitor all 3 credit reports, but no scores|
[Editor's Note: ProtectMyID.com is offering NextAdvisor.com customers an exclusive 35% discount, which brings the price to $10.35/month. To get this deal, just click the ProtectMyID.com link on the NextAdvisor.com site.]
ProtectMyID.com is a credit report monitoring and identity theft protection service offered by Experian, one of the three major credit bureaus. With our exclusive discount, this service offers the cheapest monthly pricing for 3-bureau credit monitoring, as well as Internet fraud scanning, identity theft recovery support, and $1,000,000 in insurance.
With 3-bureau credit monitoring, ProtectMyID.com will alert you right away if any changes are posted to your Experian, Equifax or TransUnion credit file. You'll have the option of receiving SMS alerts as well as email alerts. When you initially subscribe to ProtectMyID.com, you'll receive a single Experian credit report. This is not enough to give you a complete picture of your credit health and history, and is the main downside to ProtectMyID.com's service. However, ProtectMyID.com members can purchase reports and scores from all three bureaus for a discounted price of $24.95.
ProtectMyID.com also offers ChildSecure, a service that will monitor your child's Equifax credit file and alert you to any suspicious activity for an additional $6.95 per month. Since children's credit files usually go unchecked until after they turn 18, they are particularly vulnerable to identity theft, which can ruin their credit before they have even begun to establish a genuine credit history.
In addition to monitoring your credit files at all three bureaus, ProtectMyID.com will scan the Internet to ensure that your Social Security number, credit and debit card numbers are not being used without your knowledge (note that the service will scan for a maximum of three account numbers in addition to your social security number). ProtectMyID.com also monitors the U.S Postal Service database for any address changes in addition to alerting you if any creditor reported address changes occur.
In the event that your credit or debit cards are lost or stolen, ProtectMyID.com will help you cancel them immediately. In order to receive this protection, you must provide ProtectMyID.com with your account numbers once you have subscribed. If a bank or card issuer holds you liable for any fraudulent charges made on any of your cards, ProtectMyID.com will reimburse you. If you do become an identity theft victim while subscribing to ProtectMyID, you'll be covered by a $1,000,000 insurance policy, which covers certain expenses including lost wages and legal fees. You'll also have access to a resolution specialist.
ProtectMyID.com is a good choice for consumers who are primarily interested in 3-bureau credit monitoring since at the special NextAdvisor.com price of $10.35 per month, it's a very inexpensive option for 3-bureau credit report monitoring. And if identity theft is a concern, ProtectMyID.com's Internet scanning, recovery support, and $1,000,000 in insurance make this the ideal low-cost solution.
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