Personal data is more exposed than we often believe, and unfortunately we don't realize until some problem arises. Hence the importance of knowing how to avoid identity theft. There are different ways to protect our personal data such as your social security number, your bank details and others equally important.
After all, in 2016 alone, there were more than 15 million cases of identity fraud in the US. And that number has grown steadily every year since then. It is a form of rapid growth crime that can affect anyone.
You can stay safe from data breach and identity theft, something that can happen simply when a website you use regularly suffers an attack. On the other hand, a lower service may put your information at risk. For example, Equifax, one of the three large credit monitoring agencies, suffered five major data breaches in 2017 and did very little to help affected clients, leaving many of them unprotected and without guilt.
It is important to use a service that is reliable and that detects any problem as soon as possible, very similar to how good antivirus software detects a problem before it really becomes a problem.
We have researched dozens of options, we have read many reviews and customer ratings, all in an attempt to find the best protection. For a “Premium” solution, we believe that Norton 360 with LifeLock It is the best that exists, thanks to its ease of use and good price. There are also other excellent options such as McAfeee Identity Theft Protection Standard, for those users with a limited budget, or Credit Karma for when you want a free solution.
Why do we choose LifeLock?
LifeLock had a difficult time a few years ago, but since it became a subsidiary of Symantec (better known for its Norton antivirus software), it has been strengthening. In particular, he has an excellent family plan with the option of extending his protection against identity theft to his children through LifeLock Juner and an additional fee of $ 66 dollars per year. The basic package Norton 360 with LifeLock It starts at $ 9 per month during the first year and monitors every time your personal information appears in credit agreements or in the dark web. It also detects changes in the postal service address (USPS), and any false information related to your identity, also has a service VPNfor up to 5 devices so that your browsing history is protected.
Upgrade to the package Advantage at a somewhat more expensive price of $ 18 per month during the first year and you will also be informed if your name appears in court records, when there are large purchases based on your accounts, or if there are large-scale data breaches in your insurance company or employer. VPN functionality is also increased to 10 devices.
There is only credit monitoring for an office unless you escalate to the membership Ultimate Plus (at $ 26 per month during the first year) but if you appreciate the peace of mind that comes with the use of a service that also owns many of your favorite security software, it's a good price. It has also increased the reimbursement or compensation of stolen funds up to $ 1 million, compared to the most economical package that offers only $ 25,000.
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Why do we choose IdentityForce?
IdentityForce monitors a large amount of information, no matter what plan you choose. Your basic plan UltraSecure It works for $ 15 dollars a month during the first year, and be aware of fraud monitoring, address changes in your data, if the court records have your data, loan checks on paydays and even if any of the People listed on the sex offender registry list change your address near your home. There is also identity monitoring on social networks so you know immediately if someone is trying to pretend to be the one online.
In addition, there is tracking of the social security number, bank and credit card activity, protection against medical identification fraud and alerts of everything possible. It is easy and safe to use as well, thanks to a convenient mobile application and two-factor authentication so you never have to worry about someone else accessing your account. Its application is a key reason why we believe it is the best for mobile use, since it is very convenient for when you are not in front of your computer.
Upgrade to UltraSecure + Credit for $ 20 per month during the first year, and you will also get credit monitoring from three offices, extensive credit reports and scores, along with a credit score simulator.
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Why do we choose McAfee Identity Theft Protection?
Just as McAfee offers simple and direct antivirus software, McAfee Identity Theft Protection is equally ideal for those who want something that just works and don't have to negotiate on complex websites. It has a very high price with the standard package that only costs $ 1 dollars during the first month before going up to $ 8 dollars per month. For the price, McAfee scan online black markets like dark web and inform you if your information has been exposed. It will also track posts on social networks that could affect your reputation. Along with that, there is social security number monitoring, credit reports and tracking of address changes in your data so you know what is happening at all times.
Upgrade to Identity Theft Protection Plus for $ 5 dollars during the first month and then $ 15 dollars for each subsequent month, and you will also get an annual credit report, monitoring of judicial and criminal records, along with the follow-up of payday loans that are not always done through verifications Credit Update the package even more Premium for $ 10 dollars during the first month and $ 24 dollars per month for all the following months, and also to detect if your data appears in the credit card applications, if someone is trying to take over your bank account, and if any new sex offender has registered in your area.
The flexibility of the different account packages makes it attractive, and the lowest price should be ideal for most users.
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Why do we choose PrivacyGuard?
PrivacyGuard may initially seem a bit unpleasant as it requires you to pay $ 1 to use your 14-day trial, but overcome that minor barrier and enjoy a fairly complete service. For the price of between $ 10 and $ 25 per month, you get identity monitoring services along with monthly credit reports. The latter requires that you use one of the high-end plans, instead of the $ 10 service that only controls the signs of identity theft, but that means it is still a good-priced service for what it offers.
Regardless of the plan you choose, you will get a web and dark web scan, so if your social security number or bank details appear somewhere, you will be informed immediately. Other information such as your passport or driver's license are also protected, in addition to anything else you can imagine linked to you. You will receive email alerts and text messages every time something appears.
Upgrade to the Total Protection package of $ 25 per month, and there is a monthly monitoring of the triple bureau credit score, as well as monitoring your children's social security number. It even offers pre-approved credit card offers and credit score simulators, which can be useful if you're working to improve your credit score.
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Why do we choose Credit Karma?
If it is only your credit report that you want to monitor, then Credit Karma is the ideal option for you. It is completely free and does not even require you to enter the details of your credit card. Through the service, you can monitor your TransUnion and Equifax credit report score with updates every week. You will also receive alerts whenever an unusual activity is detected in any of your credit reports.
The bad new? The information provided is a bit limited and you are mainly restricted to receiving your VantageScore 3.0 instead of all the details. You also cannot control your Experian credit report, and there are no other forms of protection against identity theft.
Even so, for free, there really is no reason why at least you will not use Credit Karma to start credit monitoring. Recently, Intuit, the parent company of TurboTax, acquired it, which could mean better functionality linked to TurboTax software.
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Why do we choose Intelius?
Intelius is not the cheapest of identity theft protection services at $ 240 per year, but it is also thanks to the fact that it allows you to monitor more than one profile. Through your service, you can track the changes associated with two addresses, two phone numbers, three credit or debit cards, along with two bank account numbers. That makes it an ideal service for people with multiple accounts or couples who want to track their identities together, without the hassle of setting up multiple identity theft protection subscriptions.
In addition to that, Intelius allows its clients to obtain a new credit report every 31 days, which is more than many other services. You only get details through a credit agency, but you can choose to purchase additional offices. Finally, there is also a junk mail exclusion service that will surely attract the most. Some more precise details may be missing, such as sex offender registration information and judicial records, but when it comes to the basic concepts, Intelius has it covered.
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Who offers the best protection against identity theft?
It is difficult to say which is the best in protection services against identity theft. It really depends on you. It is worth considering your budget and why you need the service more, so you know exactly what is best for you. The services listed above are the best we have discovered and researched. Like antivirus software and VPNs, they all come with their own pros and cons, so it is important to investigate.
What protection against identity theft really works?
What you should remember about protection against identity theft is that they don't really protect your identity against theft, they protect you from being too affected by the stolen details. The key is to protect your own information in the best possible way, to have a backup through the protection services against identity theft for those times when a company disappoints you, such as in a significant data breach .
How good is protection against identity theft?
Very good, as long as you choose the right service. Being instantly informed of a problem gives you enough time to prevent things from getting worse. Timing is everything when it comes to curbing the possible threats of thieves.
Are the protection services against identity theft worthwhile?
S. You can survive without it, but it's like using your computer without antivirus. It is simply much safer to know that someone else supports you, such as an identity theft protection service.
Do banks offer protection against identity theft?
They do it to some extent. Often, your bank will inform you if there is a potentially fraudulent transaction in your account or if it detects unusual activity. However, it is not as extensive as total protection against identity theft, since your bank will not be able to control your social security number or your address.
How do I protect my identity for free?
There are some key steps you can take to be more careful. This includes checking your financial accounts regularly for errors or suspicious activities, making sure you use secure passwords at all times, and making it difficult for hackers to access your accounts, and making sure you cancel any credit card you no longer use. Destroying and destroying important documents once they are no longer useful is also a great idea.
What is identity theft protection insurance?
Identity theft protection insurance is generally included in many identity theft protection services. It means that you will be reimbursed for any financial loss incurred if someone uses your information in a harmful way. Many companies offer up to $ 1 million dollars, but you should check the terms and conditions. Some can only offer up to $ 25,000 dollars with different rates applied in the state of New York.
How do I protect my social security number from identity theft?
When possible, offer an alternative form of identification when requested. Provide your driver's license number or passport. Make sure you know exactly how your number will be used if you deliver it, and always leave your card at home in a safe place. Destroy any document that contains it and never use it as a password. Also, never give it to anyone unless you are absolutely certain that it is safe and they definitely need it.