9 Best Identity Theft Protection & Monitoring Plans In 2023
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Identity theft is a significant problem that can have devastating consequences for victims. According to the Federal Trade Commission, there were 5,737,265 reports of fraud, identity theft, and others in 2021 alone. That’s a lot of people!
And as you can see from the graph, the number of reports has been increasing over the years, especially between 2019 – 2021.
If you’re one of these people, you know how frustrating and costly it can be to deal with the aftermath.
Aura is the best identity theft protection plan according to me because it offers the most comprehensive coverage and protection. Aura also has an excellent reputation for customer service and providing its members with the resources they need to protect their identities.
This article will discuss the best identity theft protection plans available in 2023 and why you need them. I’ll also provide advice on minimizing becoming a victim of identity theft in the first place!
Best Identity Theft Protection
1 Aura:
Aura is the best identity theft protection service overall. It offers excellent features, great customer support, and competitive prices.
Aura also provides a mobile app for iOS and Android devices, making it simple to keep an eye on your credit report and personal information while you’re on the go.
Key Features:
- Aura offers a comprehensive protection plan that covers all aspects of identity theft.
- Aura’s protection plan includes credit monitoring, identity restoration, and fraud resolution services.
- Aura also offers a 100% satisfaction guarantee.
- Aura’s protection plan is affordable and easy to use.
Pros:
- Aura offers a comprehensive suite of ID theft protection tools to help keep your personal information safe and secure.
- Aura provides real-time monitoring of your credit report and alerts you to any changes or suspicious activity.
- Aura offers 24/7 customer support if you have queries or need assistance with your account.
- Aura offers a 100% satisfaction guarantee, so you can be guaranteed you’re getting the best possible service.
Cons:
- Aura is a paid service, so a monthly fee is associated with using their services.
- Aura’s ID theft protection tools may not be 100% foolproof, so it’s still possible for your information to be stolen despite their best efforts.
Pricing:
Aura offers a limited free trial and a 60-day money-back guarantee on all its annual plans.
Paid plans are as follows:
- Individual starts at $12 per month, billed annually
- Couple starts at $22 per month, billed annually
- Family starts at $37 per month, billed annually
Click Here To Check Out Aura!
2 Identity Guard:
Identity Guard is an identity theft protection service that offers many features to help you protect your identity.
If you are worried about identity theft or have been a victim, Identity Guard can help you protect your identity and prevent future fraud.
Key Features:
- A social security number monitoring service alerts you if your social security number appears on the internet or in public records.
- A credit monitoring service that alerts you of changes to your credit report.
- A fraud monitoring service that alerts you if there is any fraudulent activity on your accounts.
- A lost wallet protection service that helps you cancel and replace any lost or stolen credit cards, debit cards, and driver’s licenses.
- A personal information management service that assists you in keeping track of all your important personal information in one place.
Pros:
- Identity Guard is one of the most comprehensive and well-rounded identity theft protection plans.
- They offer many features, including social media monitoring, credit and financial monitoring, and more.
- It is an excellent plan for seniors as it offers many features designed to protect them from identity
- It is also an excellent plan for families as it offers family discounts and protection for up to 10 devices.
Cons:
- Identity Guard is one of the more expensive identities theft protection plans.
- They do not offer a free trial as some other plans do.
Pricing:
Identity Guard has different plans for individuals and families (includes 5 adults and unlimited kids).
Individual plans:
- Value starts at $7.50 per month, billed annually
- Total starts at $16.67 per month, billed annually
- Ultra starts at $25 per month, billed annually
Click Here To Check Out Identity Guard!
3 LifeLock
LifeLock plans offer different levels of protection depending on what your needs are. Their primary program offers lost wallet protection, which will cancel and replace your cards if your wallet is lost or stolen.
They also provide credit monitoring, alerts, and fraud consultation with a resolution advisor. You can get a higher price for additional features like social media monitoring and VPN protection.
LifeLock also offers a free app to secure your devices and keep your personal information safe.
LifeLock is one of the market’s most prevalent identity theft protection companies. They have been in business for over ten years and have a strong reputation for safeguarding their customers’ information.
In addition to their standard plans, LifeLock offers a higher-priced Total Protection plan that includes social media monitoring and VPN protection. LifeLock’s free app is also a great way to secure your devices and keep your personal information safe.
Key Features:
- Protects your devices and computers from malware and viruses
- Locks your credit report to prevent new accounts from being opened in your name
- Helps you recover your identity if it’s ever stolen
- Monitors for suspicious activity on your credit report, Social Security number, and more
- Alerts you if it discovers your personal information on the dark web
- Comes with $1 Million Identity Theft Insurance to reimburse you for covered losses
Pros:
- LifeLock offers a wide range of features to help protect your identity
- LifeLock has a strong reputation and is one of the most well-known identity theft protection companies
- LifeLock offers a money-back guarantee if you become a victim of identity theft while using their service
Cons:
- Some of the features offered by LifeLock are available for free from other companies
- LifeLock is not perfect and has had some security breaches in the past
- Some people feel that the monthly fee is too high for the service provided
Pricing:
LifeLock also offers individual plans and family plans separately.
Individual plans are as follows:
- Standard at $89.99 for the first year ($7.50 per month), and $124.99 from the second year onwards
- Advantage at $179.88 for the first year ($14.99 per month), and $239.99 from the second year onwards
- Ultimate Plus at $239.88 for the first year ($19.99 per month), and $339.99 from the second year onwards
Click Here To Check Out LifeLock!
4 IdentityIQ:
IdentityIQ is one of the leading identity theft protection plans available today. They offer a variety of features and benefits that make them a top choice for many consumers.
One of the good things about IdentityIQ is its family protection plan. This plan helps to protect your entire family from identity theft. It includes credit monitoring services, credit alerts, and more.
IdentityIQ also offers a variety of other features, such as its senior citizen discount program. This feature makes them an excellent choice for those seeking the best identity theft protection plan.
Key Features:
- IdentityIQ provides comprehensive identity theft protection by monitoring your personal information and alerting you to any suspicious activity.
- IdentityIQ’s fraud resolution team will work with you to resolve any identity theft issues that may arise.
- IdentityIQ offers a 100% money-back guarantee if you become a victim of identity theft while using their service.
- IdentityIQ provides dark web monitoring to alert you if your personal information is being sold or traded online.
- IdentityIQ’s mobile app allows you to monitor your account and receive alerts.
- IdentityIQ offers 24/7 customer support to answer any questions about their service.
Pros:
- IdentityIQ offers a comprehensive suite of features to prevent the theft of your identity and personal data.
- IdentityIQ monitors your personal information for suspicious activity and alerts you if it detects anything abnormal.
- IdentityIQ provides up to $1 million in insurance coverage if your identity is stolen.
- IdentityIQ offers a risk-free trial to try out the service before deciding whether to commit to a subscription.
Cons:
- IdentityIQ is a bit more expensive than some of its competitors.
- IdentityIQ does not have a mobile app, so you’ll need to access your account online to manage it.
- IdentityIQ’s customer service hours are limited, so you may not be able to get help right away if you have an issue.
Pricing:
IdentityIQ offers the following paid plans:
- Secure starts at $5.94 per month, billed annually
- Secure Plus starts at $8.50 per month, billed annually
- Secure Pro starts at $16.99 per month, billed annually
- Secure Max starts at $25.50 per month, billed annually
Click Here To Check Out IdentityIQ!
5 IdentityForce:
IdentityForce is one of the companies that provides comprehensive protection against all forms of identity theft. This company also has excellent customer service, which is crucial if you need to file a claim or have any other problems.
IdentityForce offers two different plan options, both of which include credit monitoring and alerts, public records monitoring, social security number monitoring, identity theft insurance, and 24/7 support.
Key Features:
- Award-winning protection: IdentityForce has won multiple awards for its industry-leading identity theft protection services.
- Comprehensive coverage: IdentityForce provides comprehensive coverage against all types of identity theft, including social security number fraud, credit card fraud, and more.
- Excellent customer service: IdentityForce offers excellent customer service, with 24/7 live customer support and a dedicated fraud resolution team.
- Affordable plans: IdentityForce offers affordable programs for individuals and families, with discounts available for multi-year subscriptions.
- Identity theft insurance: IdentityForce provides up to $1 million to help cover expenses associated with identity theft.
- Free credit monitoring: IdentityForce offers free credit monitoring to help you keep tabs on your credit report and score.
- Password management: IdentityForce offers password management features to help you create and manage strong passwords for all your online accounts.
Pros:
- IdentityForce is one of the market’s most affordable identity theft protection plans.
- They have an excellent reputation and offer many features for their price point.
- Their customer service is top-notch, and they offer a lot of support for their members.
Cons:
- The plan does not include credit monitoring, so you must purchase it separately if you want it.
- IdentityForce does not have a mobile app, so you will need to access their website to manage your account.
- There have been some complaints about the accuracy of their fraud alerts.
Pricing:
IdentityForce offers the following pricing plans:
- UltraSecure at $17.95 per month or $179.50 per year
- UltraSecure+Credit at $23.95 per month or $239.50 per year
Click Here To Check Out IdentityForce!
6 IDShield:
IDShield is an industry-leading identity theft protection service offering its members several unique features.
IDShield provides comprehensive recovery assistance if your identity is stolen. This feature includes access to a dedicated team of licensed private investigators who will work on your behalf to restore your identity.
IDShield offers the best family plan in the industry, which allows you to extend your protection to up to 10 family members for a single monthly fee.
IDShield also provides restoration assistance if your identity is stolen, which can aid you in getting your life back on track.
Key Features:
- Identity Monitoring: IDShield monitors your personal information and notifies you of any suspicious activity.
- Dark Web Surveillance: IDShield scans the dark web for your personal information and alerts you if it finds anything.
- Compensation Coverage: If you become a victim of identity theft, IDShield will reimburse you for up to $1 million in out-of-pocket expenses.
- 24/7 Live Support: IDShield’s live support team is available 24/7 to help you resolve any identity theft issues.
Pros:
- IDShield provides comprehensive protection against all types of identity theft, including online, offline, and financial fraud.
- The plan includes up to $1 million in insurance coverage for identity theft-related costs, such as lost earnings, legal fees, and credit repair costs.
- IDShield also offers 24/7 access to certified identity theft resolution specialists who can help you resolve any identity theft issues that may arise.
Cons:
- The monthly price of IDShield is higher than some other identity theft protection plans.
- IDShield does not offer a family plan option, so each individual must purchase a separate subscription.
- Some IDShield features, such as credit monitoring and report filing, are only available in the United States.
Pricing:
IDShield offered individual, family, and business plans.
Individual plans are as follows:
- 1 credit bureau monitoring at $14.95 per month
- 3 credit bureau monitoring at $19.95 per month
Click Here To Check Out IDShield!
7 Zander
Zander is the best budget identity theft protection service. They offer the most affordable plans with various features to meet your needs.
Their basic plan starts at $6.75/month and includes credit monitoring, fraud alerts, and a personal information vault. For a little more, you can get their Deluxe plan which adds ID theft insurance and 24/7 access to a fraud specialist.
Zander is an excellent choice for those looking for an affordable way to protect their identity. Their plans are packed with features, and their customer service is top-notch. You can’t go wrong with Zander.
Key Features:
- Zander Identity Theft Protection offers the best budget protection against identity theft.
- Most affordable plan available with comprehensive protection
- It monitors your personal information and notifies you of any suspicious activity
- Zander provides up to $1 million in insurance coverage for stolen funds, lost wages, and other expenses
- It offers 24/7 access to a US-based support team
- Zander offers firewall and antivirus protection for your devices
Pros:
- Zander Identity Theft Protection offers a $1 million identity theft insurance policy.
- The company also provides a credit monitoring service that alerts you to changes in your credit report.
- Zander also offers a fraud resolution service to help you recover from identity theft.
Cons:
- Zander Identity Theft Protection does not offer a credit freeze service.
- The company does not provide a social security number monitoring service.
- Zander only offers a limited money-back guarantee.
Pricing:
Zander offers individual and family plans.
Individual plans are as follows:
- Essential Plan starts at $6.75 per month
- Elite Cyber Bundle starts at $9.99 per month
Click Here To Check Out Zander!
8 ID Watchdog:
Suppose you’re looking for the best protection against identity theft, ID Watchdog is your company. They offer customized identity monitoring, which means they keep an eye on your personal information and alert you as soon as anything suspicious pops up.
They also have the best resolution service in the business, so if you become a victim of identity theft, they will aid you in getting your life back on track.
I.D. Watchdog is a bit more expensive than some other companies on this list, but it’s worth it for the peace of mind that comes with knowing you’re in good hands.
Key Features:
- Comprehensive restore assistance and support in the event of identity theft
- Identity monitoring and alerts to keep you updated on your status
- Lost wallet protection to cancel and replace your lost or stolen cards quickly
- Private information management to help you secure your data
- 24/7 access to your account and dedicated customer support
- Fraud and scam resources to help you stay informed and protect yourself from identity theft threats.
Pros:
- ID Watchdog is one of the most comprehensive identity theft protection plans available, offering a wide range of features to help keep your personal information safe.
- ID Watchdog offers a $1 million insurance policy to cover any financial losses resulting from identity theft.
- This identity theft protection company provides 24/7 access to personal information monitoring and fraud assistance services.
Cons:
- ID Watchdog is one of the more expensive identity theft protection plans, with a monthly fee of $15.95.
- The company does not offer a free trial period, so you’ll have to pay for the service upfront without knowing if it will work for you.
- ID Watchdog’s credit monitoring service only covers one bureau, so you’ll need to purchase additional monitoring services if you want to keep track of all three credit reports.
Pricing:
IDWatchdog offers individual and family plans.
Individual plans are as follows:
- ID Watchdog Select starts at $14.95 per month
- ID Watchdog Premium starts at $21.95 per month
Click Here To Check Out ID Watchdog!
9 ReliaShield:
ReliaShield is one of the best family plans for identity theft protection. It offers many features and benefits to help you keep your family safe from identity theft.
ReliaShield provides 24/7 monitoring of your credit report and personal information. If any suspicious activity is detected, you will be alerted immediately so you can take action to protect your identity.
ReliaShield also offers lost wallet protection, which will help you if your wallet is ever lost or stolen. In addition, you can cancel and replace all your credit cards and IDs in your purse, and ReliaShield will even help you recover any lost funds.
Key Features:
- Award-winning protection against identity theft
- 24/7 monitoring of your personal information
- Dark web scanning to detect if your information has been compromised
- Secure login and password management
- Fraud resolution assistance
- $1 million identity theft insurance policy included
- Family protection plan available
- Encryption of personal information
- 24/7 customer support
- Comprehensive online dashboard for monitoring your account activity and personal information
Pros:
- Protects your family’s identities with one plan
- Shields your Social Security number, credit cards, and other personal information
- Alerts you to suspicious activity with real-time monitoring
- Helps you resolve identity theft with expert support
Cons:
- Only available in the U.S.
- More expensive than some other plans
- Some features require additional purchase
Pricing:
ReliaShield offers plans for individuals and families.
Individual plans are as follows:
- ReliaShield Essential starts at $7.99 per month
- ReliaShield Prime starts at $14.99 per month
- ReliaShield Elite starts at $21.99 per month
Click Here To Check Out ReliaShield!
What Is Identity Theft?
Identity theft is a severe offense that can have lasting repercussions on your life.
It happens when someone commits fraud or another crime using your personal information—such as your name, Social Security number, or credit card number—without your consent.
Identity theft can ruin your credit, make it difficult to get a loan, or even land you in jail. It can also cause a lot of stress and anxiety.
You can take crucial actions to safeguard yourself and your personal information if you suspect that you may be an identity theft victim.
1. Check your credit report.
Each of the three credit reporting companies must provide you with a free credit report per your legal rights (Equifax, Experian, and TransUnion) once every 12 months. So review your account carefully to look for any inaccuracies or signs of fraud.
2. Place a fraud alert on your credit report.
If you think you’ve been the victim of identity theft, you can place a fraud alert on your credit report.
This aspect will warn creditors that you may be a victim of fraud, and they should take extra care to verify your identity before giving credit to your name.
3. Close any accounts that are compromised.
If you find unauthorized charges on your credit card or fraudulent activity in your bank account, you must act quickly to close those accounts and minimize the damage.
4. File a police report.
If you have been the victim of identity theft, it is essential to file a police report. This report can help remove fraudulent charges from your credit report and be used as evidence if you require legal action against someone who stole your identity.
5. Contact the Federal Trade Commission (FTC).
The FTC is the government agency responsible for investigating cases of identity theft. You can file a complaint with the FTC, and they will help you take action to recover from identity theft and avoid it from happening again in the future.
Identity theft is a serious crime, but there are steps you must take to protect yourself. By monitoring your credit report and taking action quickly if you suspect fraud, you can minimize the damage and get back on track.
What Is Identity Theft Protection?
Identity theft protection is a service that helps you protect your personal information from being stolen and used by criminals.
With identity theft protection, you can keep your personal information safe and secure, and you can rest assured that you will be able to get your life back on track if someone ever steals your identity.
There are several ways to protect your identity, and one of the ways is to sign up for an identity theft protection service.
These services help to monitor your personal information and alert you if they see any suspicious activity. They can also help you recover your data if your identity is stolen.
Several companies offer identity theft protection services, so it is essential to research and find the right one for you.
How Does Identity Theft Happen?
There are several ways that identity theft can happen. One way is through data breaches, where criminals gain access to people’s personal information through hacking or other means.
Another way is through phishing scams, where criminals pose as legitimate businesses or organizations to get people to provide them with their personal information.
Still, another method is using skimmers, devices that can be attached to ATMs or other machines to steal people’s credit or debit card information.
Identity theft can have a devastating impact on people’s lives. It can lead to financial loss, damage to one’s credit score, and even legal problems. Therefore, identity theft is a severe problem, and people must know how it can happen.
If you think you may have been a victim of identity theft, it is crucial to take action immediately. You should contact your financial institutions and credit reporting agencies and report the incident to the Federal Trade Commission.
Taking these steps can help you to minimize the damage caused by identity theft and to protect your identity in the future.
How Does Identity Theft Protection Work?
Identity theft protection services work to help prevent your personal information from being stolen and used to commit fraud. These services typically offer features like credit monitoring, alerts, and recovery assistance if someone steals your identity.
Most identity theft protection services use a combination of automated systems and human expertise to monitor your personal information for signs of fraud. In addition, they may offer additional features like dark web monitoring, lost wallet protection, and more.
Here’s a look at how some standard features of identity theft protection services work:
Credit Monitoring:
Credit monitoring services continuously monitor your credit reports for any activity that could be an indication of fraud. If they detect something suspicious, they will send you an alert so you can act fast.
Alerts:
Many identity theft protection services offer alerts that notify you of specific activity on your accounts. For example, you may get an alert if someone tries to open a new tab in your name or if there is a change in your credit score.
Recovery Assistance:
When someone steals your identity, recovery assistance can help you restore your credit and resolve any other issues that may have arisen. Typically a team of experts will work on your behalf to get your life back on track.
Dark Web Monitoring:
Dark web monitoring scans the internet’s black market for your personal information. If they find your data, they’ll notify you so you can take action to protect yourself.
Lost Wallet Protection:
Lost wallet protection can help if your wallet is lost or stolen. This service may provide a temporary replacement card and help cancel and replace any other cards in your wallet.
These are just a few features that identity theft protection services may offer. When choosing a service, consider which features are most significant to you and your family.
How Much Does Identity Theft Protection Cost?
There’s no single answer to this question, as the cost of identity theft protection can vary depending on many factors.
However, you can generally expect to pay anywhere from a few dollars per month to upwards of $30 per month for a good quality identity theft protection service.
Of course, the price is only one factor to consider when choosing an identity theft protection service. You’ll also want to ensure that the selected service offers comprehensive coverage and features that meet your needs.
To get started, look at our reviews of some of the excellent identity theft protection services on the market.
How Do I Report Identity Theft?
Identity theft is a serious crime that can impact your finances, credit history, and peace of mind. If you believe you have been the victim of identity theft, it is essential to take action immediately.
There are several steps you can take to report identity theft and help protect yourself from further damage:
1. Contact the credit reporting agencies.
Equifax: 1-800-525-6285
Experian: 1-888-397-3742
TransUnion: 1-800-680-7289
You will need to provide them with your name, address, Social Security number, and a detailed explanation of the problem. The credit reporting agency will then place a fraud alert on your file, making it more difficult for someone to open new accounts in your name.
2. Notify your financial institutions.
If you have had checks or credit cards stolen or think your bank account has been compromised, contact your bank or credit card company immediately.
They will be able to cancel your cards and issue new ones, as well as help you protect your account from further fraud.
3. File a police report.
Identity theft is a crime, and filing a police report immediately is essential. This report will give you a formal crime record, which can help you deal with creditors and other businesses.
4. Contact the Federal Trade Commission.
The FTC operates a website called “IdentityTheft.gov” that provides resources and information for victims of identity theft. They also maintain a database of complaints that law enforcement uses to track and prosecute identity thieves.
5. Keep detailed records.
Keep a detailed record of all correspondence related to your case, including dates, times, names, and phone numbers. This record will be helpful if you need to refer to something later.
Identity theft is a serious crime, but taking quick and decisive action can minimize the damage and protect you from further harm.
Do I Need An Identity Theft Protection Service?
Most people will never need an identity theft protection service. However, there are a few groups of people who may find these services useful:
1. People who have been the victims of identity theft in the past.
If you have already been the victim of identity theft, you are at a higher risk of it happening again. In this case, an identity theft protection service may help you catch the thieves before they cause too much damage.
2. People who are at high risk for identity theft.
This segment includes people with much personal information floating around online or who have had their data compromised. An identity theft protection service may be a good idea if you fall into this category.
3. People who want peace of mind.
If you are worried about the possibility of identity theft, an identity theft protection service can give you peace of mind. However, it is crucial to remember that these services will not prevent identity theft from happening; they will help you deal with it if it does occur.
If you are still determining whether you need an identity theft protection service, the best plan is to talk to an expert. They will be able to help you assess your risks and decide if a service is exemplary for you.
What Should I Look For In An Identity Theft Protection Service?
When looking for an identity theft protection service, there are a few key things to remember.
First, you’ll want to ensure that the service offers comprehensive protection. This coverage means they should provide credit monitoring, dark web surveillance, and other features that can help you keep an eye on your personal information.
Second, you’ll want to find an affordable service. There are a lot of identity theft protection services out there, and not all of them are created equal. Make sure you find one that fits your budget and offers the level of protection you need.
Finally, you’ll want to ensure that your chosen service is easy to use. The thing you don’t want is to sign up for a service that is hard to navigate or doesn’t offer the features you need. Take the time to read reviews and compare different services before making your final decision.
What Are Some Common Types Of Identity Theft Scams?
1. Formjacking:
Formjacking is a cyberattack where hackers insert malicious code into a legitimate website to steal sensitive information like credit card numbers, login credentials, and other personal information.
This attack is often brutal to detect because the malicious code is embedded in the website’s source code and can go undetected for months or even years.
2. Physical Document Theft:
One of the most common cases of identity theft is physical document theft, which involves stealing essential documents like driver’s licenses, birth certificates, Social Security cards, and passports.
Criminals can often commit this type of theft through someone’s trash or mail or by breaking into their home or office.
3. Data Breaches:
Data breaches are another common type of identity theft, and they can occur when hackers gain access to a database of sensitive information. This type of attack can often be devastating because it can expose the personal information of millions of people at once.
Some of the most notable data breaches in recent years include the Equifax breach, which exposed the personal information of over 145 million people, and the Yahoo breach, which affected over 3 billion accounts.
What Are Some Other Kinds Of Identity Theft?
1. Synthetic Identity Theft:
Synthetic identity theft is a type of fraud where a criminal combines real and fake information to create a new, synthetic identity.
For example, criminals can do this by using a natural person’s Social Security number (SSN) and combining it with a fake name, address, and date of birth.
The goal is to use the synthetic identity to open new accounts, get loans, and make other purchases.
2. Child Identity Theft:
Child identity theft happens when a person uses a child’s personal information – like their name, SSN, or date of birth – to open new accounts, get loans, or make other purchases. This crime can significantly impact a child’s credit report and financial future.
3. Medical Identity Theft:
Medical identity theft happens when a criminal uses another person’s personal information to get medical care, prescriptions, or insurance.
This theft can lead to significant problems for the victim, including inaccurate medical records and unexpected bills.
4. Tax Identity Theft:
Tax identity theft occurs when someone uses another person’s personal information – like their SSN – to file a tax return and get a refund.
This theft can cause significant problems for the victim, including an unexpected tax bill from the IRS.
How Do I Prevent Identity Theft?
Create Strong Passwords:
The best passwords are long and include a mix of uppercase letters, lowercase letters, numbers, and symbols. Consider using a password manager if you need help with a strong password.
Don’t Reuse Passwords:
If a hacker gets their hands on one of your passwords, they’ll try using it on other accounts. That’s why having a unique and strong password for every one of your online accounts is crucial.
Avoid Carrying Around Your Social Security Card:
You should only carry your Social Security card with you if you’re going to be using it, and you should keep it in a secure place when you’re not.
Request Copies Of Your Credit Report Through Annualcreditreport.Com:
You’re entitled to one free credit report from each of the three major credit bureaus annually. Requesting your account regularly can help you catch signs of identity theft early.
Request Fraud Alerts From Your Credit Bureaus:
Fraud alerts can make it more tedious for them to open new accounts in your name. You can ask for a fraud alert from the credit bureaus, which will be shared with the others.
Protect Your Internet-Connected Devices:
Identity thieves can access your personal information through any internet-connected device, including your computer, smartphone, and tablet. So keep your devices secure with antivirus software and a strong password.
Watch Out For Phishing Attempts:
Phishing is a scam where criminals send fake emails or texts to trick you into giving them your personal information. Be suspicious of any email or text that asks for your personal information, even if it looks like it’s from a legitimate source.
Protect Your Physical Information:
Identity thieves can also access your personal information through your trash or mail. So shred any documents that contain sensitive information, and don’t leave your mail sitting in your mailbox for too long.
Collect Your Mail Every Day:
If you’re going out of town, ask the Post Office to hold your mail until you get back. Or, have a friend or neighbor collect it for you. An overflowing mailbox is an invitation for identity thieves.
What Is PII?
PII, or Personally Identifiable Information, is any data that could be used to identify a specific individual. This information includes names, addresses, birthdates, Social Security numbers, driver’s licenses, and financial information.
PII can be sensitive or non-sensitive. Sensitive PII is information that, if mishandled, could lead to identity theft or fraud. Non-sensitive PII is information that is not as likely to be used for nefarious purposes.
PII can be collected online or offline. Online PII is information collected online, typically through website forms or social media platforms. Offline PII is data collected through other means, such as paper forms or in-person interactions.
There are some laws and regulations in place that dictate how PII can be collected, used, and safeguarded.
In the United States, these include the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA), and the Fair Credit Reporting Act (FCRA).
PII is considered sensitive information, so you should protect it from unauthorized access. Some ways to preserve PII include password-protecting files, encrypting data, and physically securing data storage devices.
How Do You Protect Your PII?
There are some ways you can protect your PII.
One way is to encrypt your PII. This encryption means that your PII is turned into a code that someone with the proper key can only decrypt.
Another way to protect your PII is to store it securely, such as in a safe deposit box.
Finally, you can shred any documents that contain your PII before throwing them away. By taking these simple steps, you can help protect your PII from being stolen or misused.
Identity Theft Protection FAQs
Q1. How Common Is Identity Theft?
Identity theft is one of the most common crimes in the United States. Each year, millions of Americans fall victim to this crime, which can lead to many problems, including financial loss, damage to your credit history, and even legal trouble.
While it’s impossible to protect yourself from identity theft entirely, you can take steps to minimize the risk. And if you do become a victim, there are also steps you can take to recover and get your life back on track.
Q2. What Type Of Identity Theft Is Most Common?
Most types of identity theft are pretty standard, but some are more prevalent than others. Here are the most common types of identity theft, based on information from the Federal Trade Commission (FTC):
Credit Card Fraud:
Credit card fraud is when someone uses your credit card to make unauthorized purchases. This fraud can happen if your card is stolen or misplaced or if someone gets your credit card information through a data breach.
Tax Identity Theft:
Tax identity theft is when someone uses your Social Security number to file a tax return in your name and claim a refund.
Employment-related Identity Theft:
Employment-related identity theft is when someone uses your personal information to get a job or file for unemployment benefits.
Bank Account Fraud:
Bank account fraud is when someone uses your bank account information to make unauthorized withdrawals or transfers.
Loan Fraud:
Loan fraud is when someone uses your personal information to take out a loan in your name.
Medical Identity Theft:
Medical identity theft is when someone uses your personal information to get medical care or to submit false claims to your insurance company.
Child Identity Theft:
Child identity theft is when someone uses a child’s personal information to open accounts, get loans, or commit fraud.
Social Security Identity Theft:
Social Security identity theft is when someone uses your Social Security number to apply for benefits or get a job.
Driver’s License Identity Theft:
Driver’s license identity theft is when someone uses your driver’s license information to commit crimes or to get a job.
Synthetic Identity Theft:
Synthetic identity theft is when a criminal creates a new identity using real and fake information. Criminals can use this identity for fraud, including opening new accounts, getting loans, and committing other crimes.
Q3. If My Identity Is Stolen, How Will I Know?
You might not know right away if your identity has been stolen. However, there are a few indications that you can look for that may indicate that your personal information has been compromised.
For example, you might see unfamiliar charges on your credit card statement or receive bills for services you have yet to request. You might also get calls or letters from debt collectors for debts you do not owe.
If you feel your identity has been stolen, contact the credit reporting agencies and file a police report.
Identity theft can be a very stressful experience. However, there are several steps to take to minimize the damage.
For example, you can place a fraud alert on your credit file and review your credit report for any suspicious activity. You can also close any compromised accounts and file a police report.
By taking these steps, you can help to protect your identity and your finances.
Q4. What’s The Difference Between Identity Theft Restoration, Insurance, And A Guarantee?
There are a few different options available when it comes to protecting your identity. You can purchase insurance, sign up for a restoration service, or get a guarantee.
But what’s the difference between these three options?
Identity theft insurance helps to reimburse you for any financial losses resulting from identity theft. This reimbursement can include fraudulent charges on your credit card, unauthorized withdrawals from your bank account, and more.
On the other hand, identity theft restoration services will help you recover your identity and repair the damage done. This repair can include helping you to cancel fraudulent accounts, obtain new credit cards, and more.
Q5. What Is A Data Breach?
A data breach is a security incident in which information is accessed or disclosed without authorization.
For example, a data breach can occur when an attacker gains access to data through unauthorized means, such as a computer server or database.
Data breaches can also happen when personal information is released to the public without the individual’s consent, such as through a data leak.
Data breaches can have severe consequences for individuals and organizations.
For individuals, a data breach can result in the loss of personal information, such as Social Security numbers or credit card numbers. In addition, this breach can lead to identity theft and financial fraud.
For organizations, a data breach can damage their reputation and result in financial losses.
Data breaches are becoming more common as our lives become increasingly digital. In 2017, there were over 1,300 data breaches in the United States alone. Many of these breaches involved the theft of sensitive information, such as customer records or employee data.
To protect yourself from data breaches, it is vital to be aware of the risks and take steps to reduce your chances of becoming a victim.
You can do this by keeping your software up to date, using strong passwords, and being careful about the information you share online.
Q6. What Is Synthetic Identity Theft?
Synthetic identity theft is a type of fraud that involves creating a new identity using bits and pieces of factual information. The goal is to use this new identity to open up lines of credit or other financial accounts.
This type of fraud is relatively new, but it is growing in popularity because it can be challenging to detect. And it can have a devastating impact on the victim.
There are a few different ways that synthetic identity theft can happen. Sometimes, the thief may use an actual Social Security number but create a new name and date of birth.
Criminals can make this new identity by combining information from multiple people or using public records.
In other cases, the thief may create an entirely new Social Security number. This new identity is often created using deceased people or made-up information.
No matter how the synthetic identity is created, the goal is usually to use it to apply for credit cards, loans, or other accounts. The thief may not even use the new identity themselves. Instead, they may sell it to someone else, using it to commit fraud.
Synthetic identity theft can have a severe impact on the victim. Because the thief uses factual information, it can be challenging to detect. And, if the thief opens up new accounts in the victim’s name, the victim may be left with thousands of dollars in debt.
If you think you may be a victim of synthetic identity theft, it’s essential to act quickly.
First, you should contact the credit bureaus and add a fraud alert to your credit report. This report will make it harder for the criminal to open new accounts in your name.
You should also contact your financial institutions and let them know what has happened. They may be able to help you close any accounts that have been opened fraudulently.
If you think you’ve been a victim of synthetic identity theft, it’s essential to act quickly. You can help protect yourself from further damage by taking some simple steps.
Q7. Is Credit Monitoring Worth It?
Credit monitoring is a service that helps you keep track of your credit report and score. In addition, it can alert you to changes in your writing and help you spot fraud or identity theft.
Most people can get by without credit monitoring, but it can be helpful if you try to improve your credit score or keep an eye on your credit report.
There are a few different credit monitoring services, but a monthly subscription service is the most common. This service will send you an alert whenever there is a change to your credit report.
Some credit monitoring services offer other features, like access to your credit score or help with identity theft.
Credit monitoring services can be a helpful way to keep track of your credit, but they’re not perfect. The important thing you can do for your credit is to stay on top of your payments and maintain low balances.
Suppose you’re looking for a credit monitoring service, shop and compare features. You’ll also want to ensure that your chosen service is reputable and has a good track record.
Q8. Does Identity Theft Hurt Your Credit Score?
No, identity theft does not hurt your credit score.
However, if your information is used to open new accounts or make unauthorized charges, you may see harmful activity on your credit report. This aspect can lower your credit score and make getting approved for new loans and lines of credit more challenging.
On the other hand, you may take action to rebuild your credit and raise your score.
Let’s say you think you could be a victim of identity theft. In that case, you should contact the three major credit reporting agencies—Experian, Equifax, and TransUnion—and place a fraud alert on your file.
Creditors will be informed by this notice to take extra precautions to confirm the applicant’s identification before issuing credit. You should also file a police report and notify your financial institution if your accounts have been compromised.
These steps can help protect your credit score and keep identity thieves from causing further damage.
If you have been the victim of identity theft, it’s important to stay vigilant and monitor your credit report for any unusual activity. By staying on top of your credit, you can help ensure that identity thieves don’t ruin your financial future.
Q9. What Is A ‘Credit Freeze’?
A credit freeze is a service that allows you to limit access to your credit report. This restriction can be an effective way to prevent identity theft and fraud.
When you place a freeze on your credit report, potential creditors will not be able to see your credit history or information. This aspect can make it more tedious for someone to open new accounts in your name.
If you are concerned about identity theft or fraud, you may consider placing a credit freeze on your report. This credit freeze can effectively prevent criminals from using your information to open new accounts or lines of credit.
Before you decide to place a freeze on your credit report, you should know a few things:
- A credit freeze will only prevent some types of identity theft. It will only deter criminals from accessing your credit report.
- A credit freeze may make it more difficult for you to open new accounts or lines of credit.
- If you decide to place a freeze on your credit report, be sure to keep your personal identification information (PIN) in a safe place.
If you choose to do so, you will need this PIN to lift the freeze.
If you have been a victim of identity theft or fraud, you may be able to add a fraud alert to your credit report. This alert will notify potential creditors that they should take extra care to verify your identity before extending credit.
You can add a credit freeze on your report by contacting the credit bureaus directly. Each bureau has its process and fees for placing a freeze on your account.
Once you have placed a freeze on your credit report, you must provide your personal identification information (PIN) to lift the freeze. Be sure to keep your PIN in a safe place.
If you have been a victim of identity theft or fraud, you may consider adding a fraud alert to your credit report. This alert will notify potential creditors that they should take extra care to verify your identity before extending credit.
Conclusion
Overall, the best ID theft protection services provide a lot of value. They help you keep your personal information safe, and they can give you peace of mind. If you are worried about identity theft, these services are worth considering.
Aura is the best identity protection service because it offers comprehensive protection, advanced features, and excellent customer service.
Aura’s complete protection includes credit monitoring, credit protection, dark web surveillance, identity theft services, and fraud resolution assistance.
Aura’s advanced features include two-factor authentication and lost wallet protection. Finally, Aura’s customer service is top-notch, offering 24/7 support and a 100% satisfaction guarantee. If you’re looking for the best ID theft protection service, Aura is a clear choice.
What identity theft protection service do you swear by? Leave a comment below! 🙂
