Money is essential to many parts of life, but it is not always guaranteed. People grow up learning that money has to come from somewhere, and that “somewhere” is often working to make a living. Unfortunately, there are people out there that don’t want to work for what they make, and so they choose other methods of obtaining money... Like committing identity theft and stealing from those that truly work for their wages.
With more people choosing to use credit and debit cards to make purchases via mobile devices, there are an increased number of chances for your identity to get stolen. As this use is sometimes unavoidable, you should choose some form of protection just to ensure that even if you’re taking part in this type of transaction, you’re a little safer. To help protect your credit, you could consider a credit monitoring service. This type of service monitors your credit information at the credit reporting bureaus. They monitor for certain types of activity - applications for credit or address changes, for example - and send you prompt notifications when detected. This gives you a chance to either confirm the activity as your own, or investigate and take action if not.
Knowing how to protect your credit is the hardest part of the process, because not everyone knows what they are getting into - or what their options are. Educating yourself about the different programs, services and decisions that you can make will help you in the future, as it can be a way to protect your credit from people that want to misuse it. This type of protection is enough to help many people feel a lot more comfortable with what their account status is, the security of their information, and the ways that things look when compiled over time. Not only will a credit monitor alert you to potential misuse, but it will provide a history of your accounts, giving you things to look for in the future - and a way to see whether or not the accounts are compromised in any way.