There are many things that you need to protect in order to lead a healthy and happy life. Your family, friends, pets, job, secrets and even your feelings are all deserving of an increased amount of vigilance, but one of the most important things that you can protect is your identity. Your identity is what sets you apart from everyone else, and requires careful monitoring in order to make sure that no one is intruding on what you have worked so hard to build. Identity theft should be taken seriously, but at the same time this does not mean that it's the only thing you should focus on. There are plenty of ways to protect yourself from becoming a victim of identity theft, most of which only take some initial effort - and while not complicated, require care and attention.
There are two different monitoring services that can be utilized to help protect you from becoming a victim of identity theft. The first is called credit monitoring, which keeps watch over your very important credit file information. Along with providing updated credit reports and scores each quarter, the service monitors for certain activity and sends you a prompt alert when detected. This means you'll know when a creditor has submitted an inquiry or there's been a change of address in your files. If you didn't do anything to generate the activity, you can contact the appropriate people and companies if you suspect fraud. The second type of monitoring is called identity monitoring - a comprehensive look at your personal information and the ways that it is being used. Identity monitors take into account the use of your personal information like Social Security number, name, address, and other personally identifying information. Both of these types of services are very useful, and are used by numerous people to help them keep tabs on all pertinent information.
What Do I Have To Do?
The only thing that you will have to do after implementing either of these methods is check your results regularly, and ensure that all information remains up to date. If you obtain a new account, move to a new home, or open a new loan, it's important to make a note of when these things were done in order to prevent later confusion and the idea that any of these transactions could be fraudulent. You need to remain vigilant in order to be ready to take action - getting the ball rolling on correcting and repairing instances of identity theft will make it seem like the services have done you a great deal of good. Essentially, as soon as you implement either of these measures, they will do most of the work for you, as long as you check on what it is that they are doing. These services cannot work without minimal effort on your part... but they are designed to work for you.
Identity theft cannot be completely prevented - it's simply not possible. The most important thing that you can remember is that while you don't have to check your finances every five minutes, you must put in some effort if you want this type of monitoring to do any good whatsoever. It's there for you - so use it properly!