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ProtectMyID.com Identity Theft Protection Review |
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| Good option for consumers that are most concerned with credit report monitoring | |
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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 a $1,000,000 product guarantee.
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 steeply discounted price of $19.95. In addition to monitoring your credit files at all three bureaus, ProtectMyID.com scans the Internet to ensure that your Social Security number, bank accounts, 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 bank or credit 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 address changes. 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 credit files 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 covered by a $1,000,000 guarantee, 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, makes ProtectMyID.com a good choice, particularly for consumers who are interested in 3-bureau credit monitoring. |
Search our blog archives and frequently asked questions for more information about Identity Theft Protection Services
| Price: | 30 day free trial; $9.95/mo. |
| Type: | Detection - 3-bureau credit monitoring |
| Credit Reports Delivered: | 1 free Experian credit report |
| Fraud Monitoring: | Credit cards, new financial accounts or applications, address changes, public records |
| Mail List Removal: | No |
| ID Theft Insurance/ Guarantee: | $1,000,000 |
NextAdvisor Identity Theft Protection Blog Headlines
A bad week for Facebook, MySpace
I thought I was using hyperbole on Tuesday when I used the headline "Another day, another Facebook attack." Or maybe I should have just saved it for today. While Tuesday's news concerned a phishing attack, today's attack is far more insidious. According to the Facebook application developer that discovered the Facebook security vulnerability, it could [...]
Don't open that email from the FDIC?
Because it isn't really from the FDIC. There has been a recent rash of phishing emails that appear to be sent by the FDIC. The emails say, "You have received this message because you are a holder of a FDIC-insured bank account. Recently FDIC has officially named the bank you have opened your account with [...]
ZoneAlarm offers 50% off: Virus and identity theft protection in one
ZoneAlarm is offering a deal that almost seems to good to be true. ZoneAlarm is taking 50% off of the regular price of its Internet Security Suite which comes with one-year of Identity Guard's Good Start identity theft protection. At $24.95 a year for a three-PC license, it's by far the cheapest Internet security software [...]
TrustedID introduces Identity Threat Score
TrustedID, our favorite identity theft protection service, has just added a new feature to help determine your personal risk of identity theft. TrustedID will assess millions of records on hundreds of public and private databases and analyze that information for patterns that could indicate if you have been or are about to be a victim [...]
It's easier to steal a passport than a television
A British insurance firm recently conducted a survey of burglary victims, and found that many burglars are looking for personal documents. In 2008, 15% of British burglary victims were targeted specifically for sensitive information, and 74% of burglaries resulted in the theft of some personal or financial documents. LV, the firm that conducted the survey, [...]
PYIW: Protect Your Identity Week
I guess it's fitting that in a month of costumes and masks we spend some time thinking about identity theft. The week of October 17th is National Protect Your Identity Week. A program of the Better Business Bureau, PYIW seeks to raise awareness about the growing threat of identity theft. The site, protectyouridnow.org, site has [...]
Second PayChoice breach in one month
Earlier this month, PayChoice, a payroll processing firm, was breached by hackers. Last week, PayChoice was hacked yet again. The last hack was unusually complex, involving a data breach, phishing emails, malicious websites, and a Trojan horse. The latest attack hinged on a security vulnerability in PayChoice's online portal, OnlineEmployer.com. It appears as though hackers [...]
Identity theft victim spends weeks in jail
Some identity theft victims are never able to completely repair the damage to their credit. Some victims are declined mortgages or student loans. Some victims suffer monetary losses. Nearly all victims have to devote a great deal of time and effort to the restoration of their identities. But only a few victims suffer the worst [...]
FBI chief falls for phishing email
Last week, FBI chief Robert Mueller spoke about the dangers of cybercrime, and admitted that he had once been fooled by a phishing email. At first, Mueller believed the email to be a "perfectly legitimate" message from his bank, requesting that he verify some personal information. He followed a link to a spoofed website, where [...]
More phishing news?
Today, the FBI charged 53 defendants with conspiracy to commit bank fraud and wire fraud, the largest number ever charged in a cybercrime case. 33 have already been arrested and the remainder are being sought by law enforcement. Egyptian authorities charged 47 defendants linked to the same phishing operation. The arrests follow a multinational investigation [...]
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