Most people are familiar with the act of identity theft - specifically the type that involves credit cards, bank accounts and checks. People's finances are often their weakest link, making it possible for thieves to breach your most personal information with a few clicks of the mouse. While this is decidedly scary, there are ways to combat against this type of crime. One such way is to employ the use of an outside program like credit monitoring, which provides a valuable service to those that choose to use it. While it may seem to be a daunting task to implement the credit monitoring service in the beginning and to continue to use it, the little bit of extra work that it actually takes is much simpler than you'd think - and well worth the trouble.
What does this type of service provide users?
Services monitoring credit make it possible to catch thieves quickly. While they cannot stop the thieves from entering your information and accounts from the beginning, they are useful when it comes to noticing any type of theft and bringing it to attention. The way that these services work is that when things are noticed that seem out of place, they are "written" down, and compiled into list form with any pertinent data. These results are compiled over the course of hours or days, and then sent back to users via email, which will give them a chance to look at results at once, rather than trying to piece things together on their own. These results will not always show that something is amiss, but even the "clean" reports will allow you to get a better idea as to what you accounts should look like - and how they should be used on a normal basis. These services like the ones available at http://www.identityguard.com/ are meant to help people by showing them what they may not otherwise see - and giving them the chance to catch thieves quickly.
How much work will the program upkeep entail?
Surprisingly, these programs are extremely thorough without requiring a lot of user input after the initial setup. Yes, you'll need to enter in your information and keep updating it as things legitimately change, but aside from that, it will work on its own. They monitor around the clock, making sure that even in the dead of night, thieves cannot get the upper hand. In addition to ensuring that your information is current and accurate, you'll have to actually check the results as you receive them via email; they will not be useful unless they are being taken into account, and there's no point in being told that there are changes to your account if the reports are just going to sit in an inbox and remain unopened.
Identity theft is a serious crime, and it should not be downplayed. To prevent credit fraud, you must be made aware that it's happening, which is exactly what these types of services set out to do. Rather than being caught unaware, utilizing a service like this one will let you know when something in your account is off - it will tell you where to look and give you a chance to set things right before they get any worse.