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ProtectMyID.com Review: Identity Theft Protection |
| Sign up for ProtectMyID.com | |
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| Best value for ID theft protection w/ credit report monitoring; exclusive 35% discount | |
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[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 an identity theft protection service offered by Experian, one of the three major credit bureaus. In addition to 3-bureau credit monitoring, this service includes Internet 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. You will receive a single Experian credit report at sign up, but scores and additional reports must be purchased separately. ProtectMyID.com members who do want their reports and scores from all three bureaus can purchase them at a discounted price of $24.95. In addition to monitoring your credit files at all three bureaus, ProtectMyID.com scans the Internet to ensure that your Social Security number, credit and debit card numbers are not being used without your knowledge. In order to receive this protection, you must provide ProtectMyID.com with your account numbers once you have subscribed. Unfortunately, ProtectMyID.com will only scan for a maximum of three credit/debit accounts, which may be dissapointing to subscribers who wish to protect more than three accounts. 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's Lost Wallet service will help you cancel them immediately. In order to take advantage of the Lost Wallet service, you must enter these cards in your online account individually. If a bank or card issuer holds you liable for any fraudulent charges made on any of your cards, ProtectMyID.com will reimburse you. ProtectMyID.com also offers ChildSecure, a service that will monitor your child's Experian 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. If you do become an identity theft victim while subscribing to ProtectMyID, you'll be insured for $1,000,000, which covers certain expenses including lost wages and legal fees. You'll also have access to a dedicated resolution specialist who will speak to you by phone and assist you in taking all the necessary administrative and legal steps necessary to restore your identity. While ProtectMyID.com isn't the most comprehensive identity theft protection service available, 3-bureau credit monitoring and Internet scanning make it an effective detection service. This, combined with extensive identity theft recovery support and a low monthly price point, makes ProtectMyID.com a very good choice, particularly for consumers who are interested in 3-bureau credit monitoring. Sign up for ProtectMyID.com | Compare to Other Identity Theft Protection |
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| Price: | $10.35/mo (with exclusive 35% discount) |
| Fraud Monitoring: | Monitors 3-bureau credit report, credit cards, new financial accounts or applications, address changes, public records |
| ID Theft Insurance/ Guarantee: | $1,000,000 insurance |
| Reports Delivered: | One Experian credit report |
| Computer Security: | None |
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