10-second breakdown:
Celebrating 15 years of business, Identity Fraud is a company built to protect you from exactly that by providing an assortment of identity crime related solutions that keep individuals and businesses alike safe from data theft and identity crimes. With a track record securing hundreds of businesses, including credit unions, banks, and insurers, Identity Fraud brings a lot to the table to offer.
The good:
The monitoring capabilities of this service are really incredible (especially when you consider the price). Financial affairs, public records, social security, even your medical identity are all regularly checked to make sure all of your information is being used the way you intended.
Identity Fraud is really low cost. There are two plans that you can pay annually to obtain, but both are lower than most of the other services on the market. Even with the low fee, the features are still fairly robust.
The “lost wallet service” is perfect in the event that you, well, loose your wallet (or it gets stolen). They will help stop all your financial accounts (banking and credit) and begin the process of getting all of your stuff resent to you.
The bad:
Unfortunately, this service doesn’t send alerts to credit reporting agencies or credit cards.
The website and service are a bit dated, especially when compared to some of the newer advanced services on the market.
How it works:
Identity theft can happen in a myriad of ways. False identification, skimming, computer hacking, credit card fraud, and even dumpster diving are a couple of the many ways in which identity theft can occur. This means that it is crucial to start taking the necessary precautions as soon as you can. While it’s impossible to prevent identity theft from happening, having a comprehensive monitoring system to alert you the moment it occurs can make all of the difference, keeping you in the know and allowing you to react accordingly.
Customers can rest assured with Identity Fraud’s theft reimbursement insurance, which covers theft-related expenses up to $1 Million and included repayment for lost wages of up to $1,500 per week, for a maximum of five weeks, money lost due to unauthorized fund transfers, and legal and administrative fees as well. But be aware that there are some limitations and restrictions to be mindful of concerning this reimbursement insurance, you’ll want to double check it’s available in your area. New Yorkers, for example, are left out of the party.
Identity Fraud offers two different plans to choose from. The more affordable of their two plans is the ‘Gold’ package, which comes in at the reasonable rate of $9.95 per month, or $99.95 annually. For this price, it will cover just the basics with their ‘Identity Fraud Risk Score and Monitoring.’ They establish a baseline assessment of your risk to identity theft based on a score that is generated for you through data mining and proprietary algorithms. This unique score will them be monitored for any changes.
Should a change occur, alerts will immediately be triggered to notify you. You’ll also receive SSN monitoring, credit card monitoring, and DataSweep monitoring. These will keep watch if any new accounts are being opened in your name, misuse of your credit card information, and other suspicious acts. All activity will this will trigger a real-time notification, allowing you to set off a red alert if you don’t recognize the transactions.
Other features in their basic ‘Gold’ package include keystroke encryption software, which is a great tool to have when browsing the internet. By encrypting your every keystroke, it is effectively hidden from malware, hackers, and keyloggers, helping to keep your identity and important credentials protected from the prying eyes of thieves.
Have you ever misplaced your wallet? It’s a stressful event to deal with. Identity Fraud offers a lost wallet service which gives you access to their 24/7 support team who will immediately jump into action to minimize your losses, release any lost or stolen cards and help maintain the status of your credit. Be it a lost wallet, an alert of foul play, or just technical support, their professional and proactive team is on standby 24/7 with resolutions and prevention assistance.
If you’re looking for a bit more coverage than what the basic plan has to offer, they provide a “Premium’ package for $15.95 per month or $159.95 annually.
In addition to all the features of their Gold package, by going Premium you will gain two additional services. They add on credit report and credit score, and triple bureau credit monitoring which will monitor Experian, Equinox, and TransUnion for any changes to your profile. You will receive an immediate alert of any activity, as well as a monthly ‘no news is good news’ message if no changes are found.
For an additional fee, you will have the ability to extend your coverage beyond yourself and add your children to plan. Considering the fact that children are oftentimes even more susceptible to having their identity stolen, this is a feature that every parent will appreciate.
If you’re considering Identity Fraud, here are a few points to keep in mind. New customers should know that to acquire their low monthly pricing, you much commit to a three-month minimum enrollment. And while they go to great lengths to notify you of any activity, a downside is that they will not send fraud alerts to any companies that you are holding cards with, nor to any of the credit reporting agencies.
With an A+ rating from the Better Business Bureau, Identity Fraud has made a good name for itself as a solid solution for securing and monitoring your personal information. Their reasonable rates are very welcoming, and they keep you in the know with all of the alerts you can customize to your liking. If you want to feel on top of your identity, Identity Fraud can help get you there.
For complete rankings of all identity theft protection services software, go here.
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