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ProtectMyID.com Review: Identity Theft Protection |
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| Good option for consumers that are most concerned with credit report monitoring; 30-day trial for $1: to sign up over the phone, call 866-958-6943 | |
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[Editor's Note: ProtectMyID.com has set up an exclusive 800 number where NextAdvisor.com visitors can speak to a ProtectMyID.com representative to ask questions and ensure they get the latest and best deal possible. If you are interested in ordering ProtectMyID.com we recommend that you call the number: 866-958-MYID (6943).]
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 trial for $1; $9.95/mo |
| Fraud Monitoring: | 3-bureau credit report, credit cards, new financial accounts or applications, address changes, public records |
| ID Theft Insurance/ Guarantee: | $1,000,000 |
| Reports Delivered: | One Experian credit report |
| Computer Security: | None |
NextAdvisor Identity Theft Protection Blog Headlines
Copy machines can store your private info
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
Today, copy machines, fax machines and many printers are just like computers; they?re smart and they have hard drives or flash drives and can store data that can be extracted. Peripherals in the olden days, just like dot-com-heavy stock portfolios, were dumb.
Because of the increased demand of networked [...]
Pay-at-the-Pump Skimming Using Bluetooth
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
Skimming data off of debit and credit cards has been happening at ATMs, gas pumps and electronic funds transfer point of sale terminals for quite some time.
When criminals plant skimming devices, they have to physically attach a skimming device that fits over the face of the ATM?s card [...]
Hacking humans' naiveté
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
Naiveté: A lack of sophistication or worldliness. That sums up a lot of people I know. "There's a sucker born every minute" is a phrase often credited to P.T. Barnum (1810 ? 1891), an American showman. It is generally taken to mean that there are (and always will [...]
The $10,000 fake ID
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
When I was 17, my friend ?Baldo,? as he was known by all, was the Fake ID Master. He also fixed TV?s and still does today. But he didn?t actually create ?fake IDs,? he altered real ones. The technology he used back then is still used today. It?s [...]
Does Identity Guard accept prepaid credit cards for enrollment?
The following is an actual reader submitted question:
Q: Does Identity Guard accept prepaid credit cards for enrollment?
A: Currently, Identity Guard does not accept prepaid credit cards to enroll in their identity theft protection services. They do, however, accept both debit cards and regular (non-prepaid) credit cards. If you don't have a regular credit card, [...]
Assassin or identity theft victim?
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
The assassination of senior Hamas terrorist Mahmoud al-Mabhouh has made a little buzz in the States, but over in Dubai, as more details become available, it is becoming apparent to some (depending on which side of the wall you live on) that the real assassins stole the identities [...]
How to remove a fake profile from Facebook
The following post in our Reader Question series is an actual user submitted question:
Q: How can I remove a fake profile of myself from Facebook?
A: What can you do if you find out someone has created a fake Facebook profile in your name? This is actually a pretty easy situation to resolve. If [...]
Fostering awareness & improving security education
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
Financial institutions have the most to gain by improving security education of their clients and employees?and the most to lose if they don't.
A while back I appeared on a local TV show talking about phishing. Amazingly, still, not everyone knows what phishing is. A good friend saw the [...]
Victoria's Secret Miranda Kerr photo scandal has the wrong focus
Who's Dave Kiely? Dave Kiely is an employee at Australia's MacQuarie bank who's become a minor web laughing stock after he was shown looking at nearly-nude photos of a Victoria's Secret model on live TV. How did it happen? It was a familiar scene for a financial broadcast: a banker was being interviewed for a [...]
Targeted injection attacks on the rise
Robert Siciliano is a NextAdvisor.com Expert Guest Blogger
In the latter half of 2009, criminal hackers went from mass SQL injection campaigns to targeted attacks. SQL is abbreviation of Structured Query Language, pronounced ?Ess Que El? or ?Sequel.? The shift in strategy has switched to a focus on high-profile websites, concluded Websense's State of Internet [...]
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