Friday, February 19, 2016

Finding Protection From Identity Theft In Today's World

Once upon a time, making sure that your identity was kept safe from criminals and malicious individuals was as simple as shredding your sensitive documents before you put them in the trash. Although it's still important to get some protection by using the old-fashioned ways, such as these, the advancing technological world has made it easier than ever for scoundrels to gain access to our information. As a result, there are numerous new methods of defense that must be deployed when trying to keep your identity safe. Protection from identity theft has reached a whole new level as technology has provided many new and innovative ways of stealing our vital information.

Identity Thieves can Strike at Any Time

Today, it's impossible to tell when someone may be watching you, waiting for a time when they can turn you into a victim of identity theft. Very few of us bother to make cash transactions anymore, as we assume that simply using our credit or debit cards for payments is much safer than carrying money from one store to the next. At the same time, a lot of us are beginning to do our shopping through online sites, although we don't always know what differentiates a safe site from a scam site.

Luckily, there are various steps you can take towards protection from identity theft. However, perhaps one of the most efficient and effective methods is to use services, such as the one provided at to closely monitor your credit reports.

Why Monitor Your Credit Information?

You may ask yourself what credit monitoring has to do with protection from identity theft. By using a company to carefully watch over your credit reports, you are actively reducing your chances of suffering substantially from identity fraud. Although it is actually impossible to prevent this crime from happening, the use of such kind of identity theft protection warns you as early as possible when thieves are working against you so that you can act accordingly.

Unfortunately, many people lose a lot of their financial future because they do not monitor their credit reports regularly. Credit monitoring helps to make sure that you're aware when something starts happening, particularly when it is identity theft.

How ID Protect Services Provide A Feeling of Security

When it comes to protecting your identity, it is just as important to protect your information as it is to protect your financial status. Many people feel that as long as they are taking the steps to ensure that their banking and financial information is not compromised that they are doing everything they can t protect themselves from identity theft - but that is not always the case. People sometimes skip right over money and go straight for personally identifying information like names, birthdays, addresses and Social Security numbers. Losing control of any of these items can be devastating to the livelihood of victims, especially as it will take some time to straighten things out, no matter how early on the theft is detected.

Using ID Protection Services

Identity protection services work in many ways to help you keep tabs on your information as it is utilized by various companies and individuals. From monitoring the ways that it is used on applications and accounts to placing your name on "do not call/email" lists throughout the Internet, these services work with you to meet your needs, giving you added control and transparency about the way that your name an likeness are being used. After deciding that you would like to use one of these services, it comes down to choosing the right one for your needs and then implementing it.

Receiving Alerts and Reports From The Services

As they are designed to be useful to the consumer, the information provided from these services is organized and presented in a way that is easily read and understood by the recipient. It's important to be able to comprehend the information that you get back, because it may mean the difference between catching a thief and allowing something terrible to continue. The nice thing about these reports is that you are notified via email your report is available online in a secure member area.  Rather than keeping a stack of papers laying around, these electronic reports can be saved and filed away - even put onto a device like a thumb drive or external hard drive and kept as a record; there is very little possibility of them getting lost or thrown away.

Although the idea of becoming the victim of identity theft is terrifying, ID protect services are designed to give you the ability to relax a little bit when it comes to your information's safety. These services essentially do all of the hard work, checking accounts and information constantly, and then sending the results back to you, meaning that you do not have to change your habits. Identity theft happens quite frequently and these types of services cannot stop it from initially occurring... but they can alert consumers like you to potential problems, giving you the chance to fight back and win.

Will Credit Monitoring Services Meet Your Needs?

Choosing identity protection services is not something that should be done without careful thought and consideration - after all, what you will be protecting with it is your livelihood. Your name, your address, Social Security number and financial information are all a large part of what you base your life on, so why settle for less than the best? When deciding what services will best suit your needs, taking the time to differentiate between what each one offers can make the choice simpler. Take for example credit monitoring services and identity monitoring services. Though they sound similar, they have many differences.

Identity Monitoring Services

Just as the name implies, this type of service focuses on aspects of your identity from your name and address to your Social Security number. The services will monitor the Internet, public databases and much more looking for instances of your personal information. This may not seem like much, but each of these individual cases can result in someone being able to pretend that they are you - at least on paper. Finding out that this is happening will not only help you to put a stop to the applications and submissions already in progress, but to change the availability of your information in order to keep it from happening again. In many cases of ID theft, people completely bypass the financial aspect of their victim's life, heading straight to the personal identification, thinking that they are less likely to be caught. By implementing identity monitoring services, any changes will be reported back to you in a timely fashion, meaning that you can investigate and take precautionary measures sooner rather than later.

Credit Monitoring Services

As identity monitoring protects your personal information, credit monitoring like the kind that can be implemented via focuses on credit file information. Though it doesn't report on every single action made to your accounts, it sends back information about certain types of changes. When detected, you receive a prompt alert, making it possible for you to take action to stop any potential theft.

Each of these options is viable and efficient - they truly can help customers protect their interests in a comprehensive and trusted way. By choosing a service like one of these two, you're not only taking preventative measures against thieves, but giving yourself peace of mind at the same time. When you work hard to build a life and an identity for yourself, why give someone else the ability to take it from you? Implementing one or more measures to help protect yourself against identity theft will be an investment well made.

What Credit Monitoring Will Do For You

When it comes to finding the best identity theft protection, many people often overlook an extremely useful service called credit monitoring. You probably know what getting a credit report entails - a yearly (or sometimes bi-yearly) report detailing your credit files. This includes outstanding loans, information that you have included on applications, credit card limits, and a total credit score - telling you where you stand in terms of financial "ability". All of this data is used to determine a credit score, used by lenders as a basis for deciding whether or not you can repay some sort of debt to them; in other words, it gives a good indication as to whether or not you can make good on your commitments. Though this information is great to have, it is not regularly reported back to you - which means that between reports, anything can happen.

Credit Monitoring Services to the Rescue!

For the between time, credit monitoring will serve as a way to stay informed about your financial activities. Although it is not a comprehensive check of every single transaction made under your name, it will alert you to certain types of changes or updates when detected. These notifications are far more useful than the yearly reports in terms of catching and helping to prevent prolonged identity theft, meaning that you will be more in control of what is happening. While yearly credit reports are good for keeping track of the progress you make over time, credit monitoring services are ideal for use as a way to remain on top of things throughout the year, keeping numbers and credit check instances fresh in your mind. Knowing that you will have more up to date reports on your finances is enough to keep many people calm and collected when it comes to protecting their personal information.

Will These Services Stop Identity Theft?

Unfortunately, even though credit monitoring can help to prevent identity theft from occurring, often alerting you to potential fraud promptly, it cannot stop the initial breach from happening. This type of service does not create an impenetrable wall around your information and finances, but it does give you the option to patch up any areas that may need some reinforcement and extra attention. If, for example, someone applies for a credit card in your name, the credit check will be detected and you will receive an alert, allowing you to contact the card agency to alert them if it was not you that applied.

Credit monitoring can provide you some peace of mind, and it also is a great way to keep a closer eye on your finances without waiting months between reports. Getting updates on even a few aspects of your financial status may be enough to keep you on track, as well as to help prevent identity theft from going unnoticed. Although it is extremely successful and helpful to many individuals, credit monitoring is far from being the only option available - it simply is one of the most useful.

Why You Should Use Fraud Protection Services

Every year, people fall victim to identity theft. And this is something that can easily destroy their lives, ruining their financial health and personal reputation. If you want to make sure that you are doing something to protect your identity from increasingly sophisticated thieves, you need to take a proactive attitude towards keeping your personal information safe. This involves employing a list of precautions to protect your sensitive data that could be used to gain access to your accounts. Although there is nothing out there that can totally prevent identity theft from happening, a fraud protection service can help protect by alerting you as early as possible to certain activity that could indicate identity theft and by using software tools that make it much harder for criminals to gain access to your vital information through the use of keyloggers and the like..

Monitor Your Credit Information

Perhaps one of the most useful ways of looking after your identity is through fraud protection services. These services help to monitor your credit information more regularly than you would without them. Many of us avoid reading our credit reports when they arrive, and to spot credit fraud, you need to keep a keen eye on certain changes and activities that take place in your report. Identity Guard® fraud protection services, for instance, can help to keep you informed by alerting you when certain activities take place on your account. This will allow you to spot fraudulent activities involving your accounts as soon as possible so that you put a stop to them.

Look After Your Sensitive Information

Aside from simply using fraud protection services, such as can be found at, there are steps that individuals can take themselves when it comes to looking after their information. For example, it is important that you never give your information out to someone, either via email or over the phone, unless you can verify with absolute certainty that the party in question is legitimate.

Also, make sure that when you are using passwords online, the ones you select are difficult to guess, and that you do not use the same password for every account. At the same time, when you receive paper mail which includes personal details, shred the document before you discard of the papers, as thieves can access your identity through your trash.

Using an Identity Monitor to Protect Your Information

Identity theft has increased a great deal with the widespread use of the Internet. Luckily for consumers, companies have come up with improved methods to protect people against these types of invasions. From credit checks and password keepers to identity monitors, people have the ability to keep their information private - as well as to ensure that they can put a halt to any potential threats in a timely fashion.

What is an Identity Monitor?
One of the most comprehensive types of protection is an identity monitor. This service monitors many aspects of a person's life from name and address to banking information and applications for goods and services. When in use, this type of monitor can be set to send alerts to customers when and if their information appears on certain websites, giving people the chance to "ok" activities, as well as to put up a red flag if the activity is suspicious. Identity monitors can be much more useful than strictly relying on financial information monitors; knowing if your name and address - or other personally identifying markers - have been put out onto the Internet or simply into circulation can often be enough to address any type of identity theft before it gets too out of control. In terms of being able to prevent identity theft, an identity monitor can do a great deal toward giving you peace of mind by way of regular informational updates.

Is Identity Theft Serious?

Imagine that you go to apply for your first apartment or car loan. You fill in all of the required information, and the results come back that you're not qualified due to an outstanding debt, or even due to  duplicate application. You've never applied for something like this before, but the results say that you have... meaning that more than likely, you're a victim of identity theft without even knowing it. These types of marks against you can hold you back in the future from making serious purchases and even getting a job - ensuring that your private information stays uncompromised is imperative to you if you want to live your life as you've planned it. Identity theft may seem like a joke, or that it could never happen to you, but that's far from the truth.

Many different types of people are victims of identity theft, even if they do not have large amounts of money or prominent places within their communities. Not all thieves are after money or status, in many cases, people simply want to use things like Social Security numbers and names - especially if they are not legal citizens, or have tarnished their own reputations in the past. This type of theft may be enough to gain someone a job that they could not otherwise have held, or even allow them to get married under false pretenses. The most serious and damaging part of identity theft is the long term effect that it may have on victims, which is why it is a good idea to implement a service like an identity monitor. Even though it takes minimal effort to implement, a service like this is a great way to keep an eye on all of your personal, private information - and get regular updates to ensure that nothing is awry.

Keep The Following In Mind When Reading Password Manager Reviews

An important step to creating a secure and convenient environment to browse the Internet is by finding a good password manager like the one that is provided at To do this, you should first read a good amount of password manager reviews as this will help you choose the right application for your needs. However, before you review password manager tools, there are a few factors you need to keep in mind while comparing them.

What Type of Security Features Are Discussed?

Most passwords manager reviews will go into a lot of detail about the various features that a particular software has, as well as what their experiences are with it. It is important that they give a lengthy description on the security features of the password manager. For example, take a look at how effective the application is at keeping your passwords encrypted, and also look at the environment in which you will be browsing the net, through the application. Is there an extra layer of security to shield you from hackers? All of these are important questions that you need to ask yourself when reading passwords manager reviews.

How Convenient Is the Application?

Convenience is also key to having a good experience while browsing the net, and to do it securely. Password manager reviews need to go into detail on the subject. For example, do they discuss how the software will be able to easily save all of your passwords in its vault and then to have ease of access to that information when you need it on the fly? Does it offer a single sign on feature? Is it easy to install? When making a password manager comparison, all of these questions will be important, because once you make that final decision, you want to be confident knowing that your application can work very well side-by-side with you.

Try to find as many unbiased password manager reviews as you can, because this will give you a realistic idea of just how well that particular password manager is working. It doesn't mean that every review you read has to be unbiased, because a good mix of the two can create a decent balance. The main point here is that you are aware of which reviews are biased and which ones are not.

Monday, February 15, 2016

How To Protect Against Social Security Identity Theft

We live in a world of numbers and today people are continuously being judged by the numbers surrounding their lives. From numbers for our weight, grades, size, and employment identity there is only one number that can negatively impact your entire future; your social security number. Because this number is used in nearly every aspect of your life it must be protected at all costs and learning how to protect yourself from Social Security identity theft does not need to be difficult.

In the case of Social Security theft, identity thieves can gain access to all sorts of things in your name. They can apply for credit, charge things in your name, and even utilize your medical records if they choose to. Once any of your reputation has been damaged as a result of Social Security identity theft it can take some time and effort to recover.

To help protect against this, many people utilize services like the ones featured at the website. For instance, even if your Social Security number has been compromised, with the credit monitoring service, you get alerted when certain changes are detected in your credit information, so that you can counteract identity theft as early as possible.

Because of the higher risk of Social Security identity theft we all must remember to exercise extreme care when it comes to protecting our identity. More importantly, this extreme care should be practiced consistently, otherwise we will just be undoing everything we work hard for during those times we let our guard down. By taking that step to get help in protecting against Social Security theft with Identity Guard®, for instance, you will be in a much better position to minimize the resulting damages.

It should be noted that there is absolutely no way to prevent Social Security number identity theft from occurring. Nevertheless, such services can help protect against this, especially from identity thieves causing so much damage to your finances and reputation. And these services can also provide valuable guidance and assistance when you are in the process of recovery, such as in the cancelling of credit cards, reporting to the police, and others.

Tips On How To Protect Yourself From Identity Theft

While there are many forms of identity theft, there is one common denominator: your personal information has somehow been compromised and is now being used for someone else's benefit. Thus, it is essential to know how to protect yourself from identity theft. But before you do that, always remember that there is no way to ensure that identity theft will never happen.

You Can Still Protect Yourself from Identity Theft by Lowering Your Risks

While there is no foolproof way to prevent identity theft, there is a lot you can do in order to lower your risks of becoming a victim or least minimize its effects on your finances. An identity thief will likely attempt to find the easiest way to get hold of your personal information. So by making it difficult for them, they will likely move on to easier prey. Protecting from identity theft involves a lot of common sense and being consistent.

1. One way to protect yourself from identity theft is to make it a habit to store your important documents and Social Security number in a secure place. The only people that should know this location are those you can trust 100% and yourself.

2. Always destroy any unwanted data that contains your personal information. This includes tangible or digital data. For example, when you want to get rid of your old computer, don't simply reformat your hard drive. The person with the right skills can easily restore the information. A better approach is to physically destroy that hard drive so that there is no way it can ever be used again. Any paper documents that you want to throw away should be completely shredded. This will prevent identity thieves from successfully finding your unwanted documents if they decide to search through your trash.

3. Consider utilizing the services of identity theft protection companies, such as the one found at These companies have many years of experience in helping people, which they achieve through their monitoring services and tools for protecting information in computers. For example, protecting from identity theft thru Identity Guard® means that you can rely on them to monitor public records and the online black-market for certain changes that has a direct impact on your personal information. When they notice these certain changes, they will contact you as early as possible so that you can take the necessary steps to minimize any damage that might be caused by these thieves.

How An ID Protect Monitoring Service Can Be Effective

Keeping track of every possible way an identity thief can steal your personal information is impossible, especially when you do it manually. However, we can use services like the one featured at to help protect ID against its use by unscrupulous individuals. It should be pointed out that there is no way to totally prevent the occurrence of identity theft, but at least you can feel confident knowing that the ID protect monitoring service is utilizing the latest technology and methods to help lower your risks and that you have a way of being warned as early as possible if somebody is using your identity.

Monitoring the Online Black Market

The Internet is an excellent place for people to socialize, share ideas, and to share data. Unfortunately, identity thieves can take advantage of this, so as a way to steal your information, the Internet is a great place for them to socialize in underground forums, secret chat rooms and black-market websites. Companies that offer an ID protect monitoring system also understand this, and so they have developed tools to monitor these gatherings in order to find out if your personal information, such as your bank account number, credit card number or Social Security number, are showing up in these places. If the ID protect monitoring system does pick up something, the service will then contact you as soon as possible in order to allow you to act accordingly.

Choosing the Right Company

While there are many identity protection services available on the Internet, not all of them will have the same quality of service. Spend time reading unbiased reviews, and find out how long that particular company has been around. In order to get the best results, you need to find a service that has many years of experience, the latest technology and tools for monitoring and protecting your personal information, as well as great customer service. These companies will never promise you that they can protect your information 100%, because they know that this is impossible. If you do come across an ID protection company that claims that they can give you 100% protection from identity theft, avoid them completely, because you will be wasting your money on a promise that can never be honored.

Does Identity Protection Require a Lot of Effort on my Part?

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.

Monitoring Services

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!

How an Identity Monitor Will Help You Protect Yourself Online

To those that are victims of identity theft, the desire to have been able to do something in order to prevent it from being such an ordeal is an extremely valid feeling. Wishing that they had changed a password or not signed up for a website - maybe choosing not to buy something off of that website would have prevented the theft from occurring... leading to less of a hassle when trying to restore your credit and your true identity information. For those people that are already victims, recommending a service such as an identity monitor would more than likely be met with approval, as these types of programs and applications are meant to provide people with a way to fight back against those trying to steal their information and take things that do not belong to them.

What is Identity Theft?

In essence, identity theft occurs whenever someone pretends to be someone else for personal gain. This can be something as simple as using another person's name in order to gain access to an event or item to a complex theft where someone tries to use another person's finances - or financial information to their own devices. To protect yourself from identity theft, you'll have to decide what it is you want to protect, and work from there. This type of theft occurs in various ways, but has become extremely prevalent with increased Internet usage over the last few decades. Identity theft can be devastating to those who are affected, making finding a way to protect yourself very important.

Using an Identity Monitor

To start, an identity monitor is different from a credit monitor. Whereas a credit monitor focuses on your credit file and its activity, an identity monitor is used to track the use of your name and other identifying information. You, as an individual, are unique from everyone else on the planet in very definite ways - why risk your own identity being compromised by someone else.

What if I Change My Mind?

Although protecting your identity should never be discontinued, it may become necessary to change the manner in which you do so. If for some reason it becomes important to monitor finances more closely than it does to focus on your identity, you can change which services you use and count on. As these different types of services are chosen by you, the individual, you are free to change your tactics at any time, giving yourself the ability to only use what you feel you need to use - nothing more. Identity monitoring services are designed to protect people and give them the ability to take control of their finances, helping them to prevent identity theft from ruining their lives.

Feeling Secure With Different ID Protect Methods

There are two things that everyone wants to protect: their families and their IDs. While it is difficult for someone to steal your family out from under you, identity theft is a common occurrence, and can happen when you least expect it. In order to feel more secure about the safety of your identity, there are a few preventative measures that you can take which will keep you and your personal information safe - and away from the thieves.

Credit Monitoring Services

This type of services acts as a way to keep an eye on your credit file information, sent to you in an easy to read and understand format. Updated quarterly reports will give you the ability to have a look at all account activity across the board. As important, these services monitor your credit files every day and when certain types of activity are detected, you are sent a prompt alert either by email or text message. This allows you to verify the activity or take action if you suspect fraud. Having this type of added control over your online identity is imperative in not only giving you peace of mind, but also helping you keep the upper hand if someone tries to access your information.

Password Keepers and Changing Passwords Often

Though they may seem like a nuisance  - and can be a hassle to remember, passwords are extremely vital to keeping your ID from being stolen. The passwords themselves - as well as the security questions that many accounts require - are imperative to individuals, with each answer and each secret code being different between users and accounts. Keeping these words and phrases secret can sometimes mean the difference between an account remaining private or getting broken into and compromised. Not only is having strong and unlikely passwords a great method to keep yourself from becoming a victim of ID theft, so is employing the use of a program like a password keeper or single sign on software. Both of these require singular passwords in order to gain access to specific parts of a computer, and can be customized to meet the needs of whoever is using them.

In order to be satisfied with your level of financial security, you must employ the methods of protection that you think will help you the most. Not every method will work the same way for individuals, meaning that if you do very little in the way of online activities, a password keeper may not be the best option for you, but a single sign on service may help. In addition, credit monitoring services can only be helpful to those that have regular email access; getting sent results will not make any difference if you cannot check them. Feeling secure is a matter of personal opinion, but being sure of your financial security is a right that every individual has - and should take advantage of.

Credit Monitoring Services And How They Are Helping to Prevent Identity Theft

Identity theft is an extremely dangerous and scary scenario. Imagine going to use your debit or credit card and having it declined - even though you know there are funds available, or trying to apply for a loan and getting denied based on a low credit score despite never having missed a payment. Fast forward to contacting your financial institutions or receiving a credit report and learning that you have tons of outstanding debt and mountains of missed card payments for items that you didn't buy, do not own, and never opened. That's identity theft.

Prevention is Key

While credit checks and credit monitoring services cannot outright prevent or stop identity theft from occurring, they act as extremely beneficial walls of protection. With daily monitoring of credit files, these services watch for certain activity and, when detected, send an alert to the customer. This quick response gives you the ability to quickly confirm the activity was your own or take action if you suspect fraud. When it comes to ID theft protection, services like this one available from provide users with a great way to fight back against people trying to assume their identities or finances.

Who Would Want My Identity?

When it comes down to it, the answer is that there are many people that would love to have access to the identity of someone else. Maybe they're trying to make a large purchase, but don't have the funds. Maybe they can't get approved for a loan with their own low credit score, and think that giving your social security number and name will give them a better chance at obtaining the loan. They could also be illegal immigrants that don't have their own United States identities or Social Security numbers, meaning that they are extremely limited in the financial accounts and forms that they can fill out - using your information will make it easier for them to get jobs, cars and credit cards. The people that want your identity know that by pretending to be someone else, essentially stealing from them, that they will have a better chance of success in obtaining things, as well as a greater likelihood of having access to fast cash and credit card accounts.

Credit monitoring services are meant to give people a more in-depth look into their finances. They provide information to consumers about what is going on with their identities, and alert them when certain types of transactions or events occur under their names. This is helpful, informative and can serve as a fantastic way to provide people with the peace of mind that they need when it comes to ID theft protection.

Why is Credit Monitoring a Good Idea?

Credit cards can be used pretty much everywhere that you can purchase goods and services. Both online and in person shopping trips can be completed with credit and debit cards, making it important to keep track of your finances - and what your credit card statements look like. In order to build credit, you must first have credit... but that can be accomplished in may different ways, and must be carefully watched. Close credit monitoring after you've opened up a few accounts is imperative to not only staying on the right track financially, but also helping to prevent identity theft. Over the past few months, the phrases "identity theft" and "data breach" have been quite prominent on the evening news, making taking some extra precautions seem like a good idea.

What is Credit Monitoring

When deciding how to protect your identity, choosing a credit monitoring program or service is a good way to get detailed information about some of your most sensitive financial information. Rather than waiting on a yearly credit report to give you detailed information about your credit data, credit monitoring services report back on a much more frequent basis. In addition to receiving quarterly updates of your credit report and scores, many services monitor your credit files for certain activities, sending you a prompt alert when detected. This type of advanced warning and information makes it possible to catch identity theft in the early stages, which can help prevent prolonged exposure of your account and information, lessening the effects of someone stealing and using your information. Though these types of services cannot flat-out prevent ID theft, they are useful tools when it comes to helping stop it from going too far.

Why is it Helpful?

Not only will these types of monitoring services alert you to potential fraudulent activity, they also give you up to date information about your credit score, and inquiries made to lenders, creditors or those running credit checks - like in the case of apartment rentals or home loans. These updated numbers or informational reports give you the ability to ensure that everything looks as it should, and give you a chance to catch and fix any errors that may have been made against your credit. Although these scenarios are not extremely common, they do occur - which makes the phrase "better safe than sorry" ring true.

Who Uses These Programs?

These programs can be used by anyone from individuals to businesses; these services are meant to help anyone that wants an added level of protection for their finances. People that have been prior victims of identity theft or those that just want to keep a closer eye on things have found that credit monitoring services and other types of identity theft protection have helped to give them the peace of mind that they seek. It doesn't matter if you're extremely wealthy or just a college student that wants to make sure that things are going smoothly - credit monitoring services provide true comfort to those that are even the slightest bit concerned about financial security.

How an Identity Monitor Can Help Protect Your Information

When trying to protect your information online, sometimes one set of eyes isn't enough, so implementing a service like an identity monitor is a great way to ensure that there is an added level of protection standing between your information and thieves. Though it may seem like more of the same, this type of protection is designed and created with the intention of giving you more in terms of protection. While adding to the level of security, this type of service does not require additional vigilance by the user in between reports; it simply runs constantly, alerting users to certain types of activities like new credit applications, new loan applications or change of addresses, even monitoring for Social Security number exposure, which may be signs of attempted identity theft.

What is an Identity Monitor?

An identity monitor is like a credit monitor - but it takes things one step further. Whereas a credit monitoring service checks your credit file information, an identity monitor encompasses more aspects of your identity from your name and social security number to your address and vital statistics. Monitoring your very important information for personally identifiable information for potentially damaging exposure on the Internet; for new cell phone applications made in your name; bank password changes can all be indications your identity has been compromised. With early notifications, you can be alerted early and start to take the necessary precautions to keep your identity protected,

What Happens When Someone Steals My Identity?

Being the victim of identity theft is more than having money stolen and accounts compromised. It can also mean the difference between being approved for certain things like jobs, homes, or even passports. If a thief gets ahold of something like a Social Security number, they can then use that to pose as you - applying for things, filling out forms, even pretending to be a legal citizen in some cases. As you can guess, getting things sorted out when they get to this point can be quite difficult, so it is important to try to stop this type of invasion from happening in any way available.

Is Identity Theft Common?

The answer to this question is yes. Identity theft happens all the time, inconveniencing and even in some cases ruining the lives of the victims. It can be very difficult and time consuming to recover from identity theft, so knowing how to identify this type of theft is important. Sadly, the prevalence of identity theft makes it easier to know what to look for - meaning that the loss of others is used as a teaching method for those that have not been victimized. Thousands of people have had their identities stolen, requiring them to participate in the slow process of reclaiming control over their lives. Their stories and experiences provide information for people that are concerned about the safety of their own information, and even reading one of them will make some type of identity protection like an identity monitoring service or credit report monitoring seem like a fantastic idea to implement.

ID Theft Protection Information For Individuals

When it comes to protecting yourself, there is more to worry about than physical violence or burglary. The prevalence of ID theft has increased over the last decade as use of the Internet has skyrocketed and people have started to put their entire lives on display. With more information becoming available to hackers and thieves, people have found themselves becoming victims more and more; their lives becoming convoluted, compromised and even in some cases entirely ruined by identity theft.

What is ID Theft Protection?

Identity theft protection is exactly what it sounds like: methods and procedures that are designed and implemented in order to keep your information safe and secure. Things like credit monitoring, account monitoring, log-in verification and even things like captchas and verification codes are all types of this protection. These measures are put into place by the websites you use without any necessary action by you, the user, as well as by way of implementing added security by being chosen. These types of protection cannot reverse, fix, or act as foolproof methods of prevention, but using them may decrease the likelihood that your information will be compromised - and increase the ability of users to find and put an end to security compromises.

Who Uses These Methods of Protection?

These methods are used by those that want to have the highest level of protection when it comes to their personal information. When used correctly, these methods offer added layers of protection between their information and thieves, helping to make it less likely that their identities will be compromised, which can reduce stress, hassle, and even the potential for substantial loss.

What Can Happen if My Identity is Stolen?

You may not think that identity theft is a serious concern, but the fallout from very serious cases can be felt for years afterwards. This happens when financial information or a Social Security Number is stolen, as these cases can take a long time to straighten out. Credit card companies, banks, and even the Federal Government may have to be involved, meaning that it is more than calling the local police in order to report some false charges, it requires a great deal of investigation and cooperation between the victim and the authorities. The person that stole your identity will be essentially living your life, and laying a trail that could affect your ability to do many things until it is caught, stopped, and rectified.  For this reason (among others) it is imperative to attempt to prevent identity theft by implementing some type of monitoring program or system as an added precaution.

The Rise of Identity Theft Over The Internet

As the Internet has become the "go to" for many people when it comes to banking, shopping, paying bills and talking to friends, the trend of identity theft has been on the rise. Though when many people think of identity theft, they simply think of someone using the name and information of someone else, the truth of the matter is that having your identity stolen is so much more. Not only is it an inconvenience, but it is an invasion of privacy, a potential threat to close family and friends, and extremely difficult to narrow down the culprit in may cases. Identity theft cannot ever be eradicated, but there are plenty of steps that can be taken that will decrease the chances of being targeted and impacted.

How To Decrease the Likelihood of Identity Theft

Though it may seem like a daunting task, there are many options available that can help people protect themselves from becoming a victim of identity theft. To start, it is important to consider all of the information that they make public to others. With the prevalence of social media, people are putting more and more out into the world - names, addresses, photos - each piece of information is one additional clue about your life, and can help someone work their way into even more personal accounts.

Another method is to employ some outside help. The use of services, software and apps like credit check monitoring, identity monitoring, password keepers, and even anti-key loggers can help to prevent others from getting to your information. Many of these types of programs serve as a way to make people feel like their information is more secure - giving them a sense of peace. Information about these types of protection is available at as is the ability to purchase and begin using them.

Common sense is one of the best ways to help prevent identity theft; it can save a lot of trouble for online users. Changing passwords often, coming up with extremely difficult ones to crack, and even choosing off the wall security question answers will add an extra level of protection to your accounts and information, which can decrease the ability of thieves to take and misuse your information. The best thing that individuals can do is to think before they act; meaning that taking a few extra seconds to make sure that a website is secure, or that they are giving necessary information only may not seem like much, but it will certainly help.

The Best Types of Identity Monitoring

There are many different ways for people to keep their information safe, but the best ones are simply the ones that work. As each person has a different level of need for protection, different things will work better for different people. Identity monitoring can do a great deal toward protecting the information, assets, and identities of the people that utilize it, so not waiting is imperative. The sooner information is protected, the sooner the feeling of safety and being at ease will settle in each time a purchase is made or a bill is paid over the Internet.

Why You Might Use A Credit Check Monitoring Service

Before you can reasonably decide whether a credit check monitoring service may be useful to you, you may need to learn more about what it actually is. Most of the time, a monitoring credit check service will provide you with a selection of information. That information, for example, may come in the form of email alerts that are used to inform you when certain activities are detected through data obtained from your credit reports. This might, for example, indicate new credit has been opened in your name, or collections being added, and so on. Usually, credit check monitoring allows you to regularly keep an eye on what is happening in your credit for the purpose of detecting if identity thieves are working against you.

Credit Check Monitoring and Identity Theft

Most people believe that the biggest reason why you should check your credit regularly is to protect yourself from identity theft. Indeed, this is a key reason why credit check monitoring has become so important over the years because identity theft is becoming an increasingly relevant problem. Using services offered through websites, such as, you can watch over your credit reports more diligently, so that you can be informed as early as possible of certain activity that could indicate identity theft.

What Is Identity Theft?

Identity theft takes place when your personal details are stolen from you. Often, criminals can use your personal identity information to drain your bank account, start up new lines of credit in your name, or even commit fraudulent activities. When this takes place, any negative activity that happens within your line of credit is attributed to you, and not to the criminal who is actually responsible. This is one of the reasons why monitoring credit check can be so useful.

It's also worth remembering that one of the negative effects of identity theft is to lower your credit rating and this can have a huge impact on a person's life. Your credit is the element that helps banks and financial institutions decide whether they should give you the loans you need for the things that you want desperately in life, such as homes, new cars, or anything else.

Is Credit Monitoring Important?

Keeping track of your financial well being is imperative to a person’s future, and can often mean the difference between having an easy life and having a difficult one. As your credit score is often an indication of what you are capable of handling in terms of finances, knowing exactly where you stand is more than a good idea, it is essential. Your score may not be perfect and it may not even be where you would like it to be, but with careful vigilance, it is possible to keep track of it and learn more about how to protect it. 

What is a Credit Score? 

Your credit score is calculated based on a number of things. Debt, active credit cards, loans, income and your history when paying bills are all taken into account and then the credit score is calculated. This score changes as your information changes - doing things like paying bills on time and paying off loans or debts will raise your scores while increasing debts, missing payments or having bills sent to collections will do the opposite. Having good credit is important for adults, and checking your credit report periodically is a good way to find discrepancies - which can be an indication of identity theft or fraud. Credit monitoring services, like the one offered at, is an effective way to keep an eye on your credit.  

Who Will See My Credit Score? 

Ideally, only those that need to access your credit score will see it. This will include you, your bank, any company you approach for a loan or fill out an application for (credit cards, apartments, cars, etc) and potential employers. Being able to use old credit reports alongside the new can be used as a way to establish evidence of theft by alerting the proper parties to discrepancies, a sudden drop in numbers and even fraudulent applications or collections notices. In a perfect world, very few people will be able to access your credit scores, and they will only be used as guidelines and a tool to benefit you as you move through life. 

How Accurate is Credit Check Monitoring? 

Although these types of services are known for accuracy, they should never be used as a definitive method for proving identity theft or a data breach. Though they report current numbers, they act as more of a general indication of a credit score, and serve to keep users up to date in a way that comprehensive once a year reports cannot. The information obtained by these monitoring services is accurate, but they cannot be used to actually prevent identity theft; they are simply an enhanced method of detecting some types of fraudulent account or identity activity. These types of services give users a heads up when something looks amiss.

While it seems like a great deal of information to keep track of, credit monitoring services can help a great deal, and are available in many forms from simple to complex, depending on the type of services that you need. These reports are meant to help users get a better grasp on their financial standing in a way that would not be possible otherwise, giving them means to preemptively strike against account fraud or potential theft. 

The Best Ways to Protect Yourself From Identity Theft

Identity theft is a growing concern for many people due to their dependence on the Internet and online shopping. 
Despite the prevalence of online identity theft, many people also sometimes forget that they need protecting from identity theft in real life situations, too. Identity theft can completely destroy the lives of those that are victims, so it is imperative that preventative measures are taken in order to protect yourself, your loved ones, and your finances from identity theft. Recovering from having your identity stolen can take years, and is a complicated and involved process, so here are some tips to help protect yourself.

Good Ideas

  • Don’t give out your personal information to anyone that you can’t verify. Scammers often look legitimate on the surface, but a little digging will uncover the fact that they are not associated with the business they claim to be, and what they will do with your information is unclear. 
  • Change your passwords often - and choose ones that cannot easily be figured out. Websites often suggest using numbers, letters and special characters... This may seem like a hassle, but it is to protect yourself from identity theft. Choose phrases or titles, not birthdays and names - these are much harder  to figure out.   
  • Be vigilant about your surroundings. When going to the ATM or signing credit card receipts in stores, be aware of those around you. Cover the numbers on the key pad, use a signature that would be difficult to reproduce. Any measures you take will make it harder for others to assume your identity. 
  • Keep an eye on personal documents and statements. Many people tend to leave mail unopened if they don't need to look at it right away - and since many practice online banking, they may not even receive paper statements. These statements and correspondence from your financial institutions are often the first sign that something may be wrong, so it is important to open and read them thoroughly on a regular basis. 

Bad Ideas

  • Sharing information can be dangerous. Do not fill out forms, respond to emails, or allow others to sign into your accounts for you, unless the situation absolutely calls for it. This is an open invitation for people to learn your information.  
  • Writing passwords down could end in disaster. Even though it may seem like a great idea to take down every username and password that you have into a neat little file, this is only going to act as an aid for people that see or find them. This is especially true if these passwords are located in a file on your computer or in your email.
  • Carrying your Social Security card and other important documents is a mistake. Although it is convenient to have these items, having them fall into the wrong hands could result in a major identity compromise and a legal struggle. Ladies should clean out their purses and both men and women should periodically clean out their wallets, taking out items like receipts, bank balances, and old checks when necessary.