ProtectMyID.com is one of the best credit monitoring service and is offered by Experian, one of the three major credit bureaus. The service includes daily checks of participants’ files at Experian, Equifax and TransUnion. It also offers two additional services to help give members peace of mind.
Credit Monitoring
The scope of ProtectmyID’s credit monitoring is one of the most comprehensive you’ll find. While some services simply check credit files for the opening of new accounts, this service does that, plus lots more. It will look for new credit applications, changes of address and potentially negative information, just like a traditional service. But it also checks public records to weed out any unauthorized changes in personal information that may not be credit related, such as the switching of an address on a driver’s license to help an identity thief assume that person’s name. The policyholder is sent an email or text message if anything gets a red flag.
Other Services
CardSafe
ProtectmyID’s package also includes a product known as CardSafe, which helps members if identity thieves get a hold of their credit cards or they are simply lost and get into the wrong hands that way. The service will reimburse any funds lost due to unauthorized purchases that are not already covered by the credit card company. It is included in the base price of the plan.
ChildSecure
This service is similar to traditional credit monitoring but is reserved for checking on the status of minors. It makes sure that no one tries to open a credit or checking account in the name of a child the primary policyholder designates. This is actually fairly important, since thousands of children are victims of identity theft each year, and many don’t find out until they are much, much older. ChildSecure can be added to any ProtectmyID.com policy for an additional $6.95 per month.
Lost Wallet Protection
Protect My ID also includes lost wallet protection where upon the loss or theft of your wallet you simply call them and they go about cancelling your cards and licences and ordering new ones. You are still responsible for replacement costs, its just a time saving feature and a very handy one at that especially when you find yourself losing your wallet while out of the country, say on vacation.
Change of Address Monitoring
Change of Address alerts obtained via the change of address file supplied by the United States Postal Service or your various creditors, so if someone tries to steal your identity by redirecting your mail to a new address, you’ll know about it right away.
Recovery Guarantee
While no service can guarantee that its’ members will never be victimized by identity thieves; this one has a contingency plan. It has included $1,000,000 identity theft insurance that can help to cover fees, illegal electronic fund transfers (EFT), lost wages, private investigator costs, legal defense fees and much more…. if the unthinkable happens. It also offers the use of an Identity Theft Resolution Professional to put a stop to the thief’s activities, see what damage has been done and get the victim’s life back to normal as soon as humanly possible. This guarantee is available in 49 states, with the exception being New York.
Protect My ID Promotion
Signing up for this service only takes a few minutes to do, but does require entering a Social Security number and other personal information, both for verification purposes and so that Experian can locate the appropriate credit file. The site is secure and Experian is a trusted name (being the largest credit bureau they do already have all your information) so there is little to worry about there. The service only has one package available, which regularly costs $12.95 per month but with our discount is only $11.65 per month and the first month is a risk-free 30-day trial for $1. Yes, just purchase your Experian credit report for one dollar and the first month is free and then $11.65 per month thereafter.
Save $26.25 in the first year off Experians regular price with the link below. Subsequent years save you $15.60.
A recent survey by the Federal Trade Commission asserted that 91% of adults fear identity theft happening to them. Instead of living in fear, why not buy some peace of mind?
Enroll with Protect My ID Today!