Identity Theft Protection FAQ

Frequently Asked Questions about Identity Theft Protection

    Will an identity theft protection service hurt my credit score in any way?

    No, subscribing to an identity theft protection service will not negatively impact your credit scores. When you authorize a lender to check your credit, it is called a hard pull, which may cause your credit score to drop slightly. However, when you check your own credit, or an identity theft protection service checks your credit reports on your behalf, this is known as a soft pull, which does not hurt your scores.

    Return to Identity Theft Protection FAQs

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Top Identity Theft Protection

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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
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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
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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
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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
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Bottom line: Strong identity monitoring paired with comprehensive, 3-bureau FICO score monitoring; on the pricey side
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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
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Bottom line: Complete restoration assistance from Kroll Advisory Solutions; frustrating user experience and poor customer service; limited credit monitoring

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