Identity Theft Protection FAQ

Frequently Asked Questions about Identity Theft Protection

    What is identity theft?

    Identity theft is the fastest growing crime in the United States. Research published in 2017 from Javelin Strategy & Research estimates that more than 15 million Americans have their identities stolen each year. Identity theft occurs when thieves use your personal information (such as your social security number or driver's license number) to gain access to money, credit, goods or services in your name. Since your name is used for these activities, companies come to you seeking repayment of the money or goods that were illegally obtained.

    While legally, you do not owe anything, it can often be difficult to prove this and it can take months and even years to get everything straightened out, costing you a huge amount of time and resources. In the meantime, you can be left with no access to credit, as credit card companies, banks, utilities (phone, cell phone, cable, etc.) and other financial institutions may cut off your credit accounts or access to new credit until your good name is restored. Many people have even been arrested and jailed because an identity thief committed crimes in their name.

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Top Identity Theft Protection


Bottom line: Most complete identity theft protection service we reviewed; 3-bureau credit report monitoring; credit report/score updates every quarter; $3 discount & free 30-day trial

Bottom line: Comprehensive credit and identity monitoring (with Premium membership) and unique Experian CreditLock feature combined with competitive pricing and an easy-to-use website

Bottom line: Thorough identity theft protection and 3-bureau credit report monitoring; annual 3-bureau credit reports and scores; monthly Equifax credit scores; somewhat costly even with 10% discount for the first year

Bottom line: Solid credit protection with monthly credit report/score updates as well as social security and financial account monitoring; 30-day trial for $1; includes computer protection software from Norton

Bottom line: Strong identity monitoring paired with comprehensive, 3-bureau FICO score monitoring; on the pricey side

Bottom line: Valuable identity theft protection and customer support for an affordable price, yet lacks in terms of credit report monitoring; 10% discount for the first year

Bottom line: Complete restoration assistance from Kroll Advisory Solutions; frustrating user experience and poor customer service; limited credit monitoring

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