If you’re looking for reliable information on identity theft prevention and protection, then you’ve come to the right place. Whether you’re looking for reviews on the best identity theft protection services or just looking for tips to help protect your identity, we’ve got you covered!
Let’s Face It – Identity Theft Is A Scary Reality
Identity theft is quickly becoming the third certainly in life, behind death and taxes. It’s not a question of “if” someone will attempt to steal your identity, but “when.” According to the Department of Justice, instances of identity theft continue to rise each year. Even worse, a stolen identity can happen to just about anyone – even the elderly and young children.
This is because, from a criminal’s perspective, identity theft is easy. There’s a high potential for reward with very little risk. A thief has countless ways to scour the internet and obtain personal information about you. From there, the thief can spend your money, take out loans in your name, access your medical records, ruin your credit score and even flat-out impersonate you and ruin your reputation.
The best way to prevent identity theft is vigilance. The sooner you detect that your identity has been compromised, the better your chances are of limiting the damage. Unfortunately, most individuals are only able to respond to identity theft after it’s occurred. This is why security experts recommend a subscription to an identity theft protection service.
Our Top Recommend ID Protection Service
We often get asked the question, "What Identity Protection Service Is The Best?". After reviewing many of the top credit monitoring and ID protection companies, we've concluded that Identity Guard stands above the rest. Here's why:
- Monitors All 3 Credit Bureaus For Suspicious Activity
- Get Credit Score Updates 4 Times A Year
- Protect Your Computer From Viruses, Keylogging, and Other Threats
- Real-Time Alerts of Suspicious Activity
- $1 Million in Identity Theft Insurance
- Lost Wallet Protection
- and More
How To Know If Your Identity Has Been Stolen
Charges on your bank accounts that you didn’t make are one of the most obvious signs of identity theft. There are also quite a few less obvious signs that you should know.
Pay attention if you…
- Stop receiving mail that you normally receive. Another sign of potential trouble is if you start to receive unusual mail (such as mail related to activities you’re not involved in).
- Receive calls from debt collectors related to debts you know nothing about.
- Have reached your benefits limit on your health plan (a possible sign of fraud related to your health insurance.)
- Receive a notification from the IRS indicating you’ve filed more than one tax return.
- Do business with a company that has been hacked (such as a retail store or credit card company).
How to Prevent ID Theft From Happening
The best way to monitor your identity is with an identity theft protection service. They’ll be able to keep a watch over your personal information around the clock. Still, there are a few simple tips you’ll want to do yourself.
- Maintain Careful Records - Don’t rely on your bank’s or financial institution’s record-keeping ability. Original documents are usually far more useful to these institutions when you need to prove a purchase isn’t yours – especially in cases where someone has forged your signature.
- Make Sure To Shred Financial Documents - Before you throw away anything with your personal information, first run it through a shredder. This includes credit card offers you receive in the mail. Thieves can use these applications to obtain credit cards in your name.
- Guard Your Social Security Number - Don’t put your SSN on anything in your wallet. Your Social Security Number is the key piece of information thieves are after. You want to protect yourself in case your wallet gets stolen.
- File Your Tax Return Early - A new, quickly rising type of identity theft is tax return theft. The thief will file a tax report in your name and then claim the refund. The earlier you file, the easier this type of fraud is to prevent.
- Don't Respond To Suspicious Emails or Calls - Your bank will never ask you for personal information, including your password, in an unexpected phone call or via an email. Be wary of “phishing” – which is where a thief will attempt to impersonate an institution you do business with to get you to reveal personal information. The email address or phone number might even look legitimate.
- Be Mindful of Your Surroundings - Don’t conduct important information over the phone in a public place such as an airport or retail store. You never know who might be listening. Also, don’t use free Wi-Fi in a public place to access sensitive information online, such as banking or medical information.