Identity theft monitoring

LeslieG

DIS Veteran
Joined
Feb 22, 2005
Messages
3,074
I'd like to sign up for identity theft monitoring for my family, but there are so many companies out there. Does anyone have a recommendation?
 
None of them are worth the money.

I would suggest instead go to www.annualcreditreport.com which is a free site mandated by the Government and supported by the three major credit reporting companies. You can order credit reports (but not scores) from them once a year per major credit bureau. Many people, myself included, will order one of the reports every four months so I can see if there is anything unusual.

All the other monitoring sites spend so much money on advertising that you can wonder how much profit they make from selling their services.

And also a married couple can stagger these so that the family can get a free report once every two months.
 
You can also put a hold on access to your credit report. This way no one can get credit in your name.

When I did it, it was free. Some states may charge ~$5. They also charge ~$5 to remove the hold. It depends on what state you are in. Don't do it if you plan on opening a charge card or applying for credit in the near future, or you will have to unblock it. You just go to the credit agency reporting website (for ex Experian, Trans Union, etc) and look for the link.
 
Some states set up freeze fees as high as $10 and you have to pay that for each credit report whether you add or lift. You also need a pin to lift it most efficiently. It's true that the fees are all over the place though and this is free in some cases.

People often talk to us about how much they love their monitoring service so I think that it's really just a matter of personal taste. You could check out the forums at myfico.com or use one of the credit bureau's own monitoring systems. You could also check with your bank - some banks provide such services.
 













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