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Credit / Identity Theft Protection

Toolman286Toolman286 Member Posts: 3,252 ✭✭✭✭
edited September 2018 in General Discussion
I am wondering which service anyone uses or recommendations. And yes I know, "nobody wants to be you." A site search didn't help.
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Comments

  • reload999reload999 Member Posts: 3,080 ✭✭✭
    edited November -1
    I don't use a monitoring service, but I put a freeze on my credit with the big 3 credit reporting services.
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  • remingtonoaksremingtonoaks Member Posts: 26,245 ✭✭✭
    edited November -1
    I got a friend that's the president of the bank. He says those services are a bigger scam than the people that steal your identity...

    The credit services automatically have credit theft Protection, if somebody buys something under your name, all you have to do is just dispute it that it's not you, (that's all a credit protection company would do). Your credit card and banking accounts automatically have Theft Protection, if somebody hacks your account then you just call you credit card company/banks and let them know, they investigated and get you your money back, that's all credit protection company would do. And that's already covered by banks for you....

    The only thing extra that those credit protection services is monitor your credit. Download Credit Karma and you can do the same thing....

    If I were you I would Freeze your credit with all three credit reporting bureaus which is free and that's more protection then anything else you could do that's already being done for you

    But those credit identity theft companies don't actually protect you from anything, they will tell you they will reimburse you up x amount of dollars. But that's already covered by your creditors to begin with...
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  • shilowarshilowar Member Posts: 38,811 ✭✭✭
    edited November -1
    I have IDShield thru legal Shield as an employee benefit.
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  • Rack OpsRack Ops Member Posts: 18,596 ✭✭✭
    edited November -1
    I have Credit Karma and Credit Wise apps on my phone. Both are free.
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  • nmyersnmyers Member Posts: 16,892 ✭✭✭✭
    edited November -1
    Remingtonoaks is correct.

    Remember, you aren't "the customer"; you are "the product".

    Neal
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  • spasmcreekspasmcreek Member Posts: 37,717 ✭✭✭
    edited November -1
    oh yeah CC protection ????..i have one CC..only one at a time since CC's originally came out...pay in full the day i get the monthly bill ...this one since 2008...CANNOT get thru and get anyone to fix a charge i did NOT get 30 days ago...one time they got tired of talking to me so they put on a screeeeeeeech that blasted my ears till i hung up.....4 times now....i am going to quit this one and get another bank offered visa where i have an account...and they have gals answer that will not talk clear and slow so i can hear on a cell phone, no matter how many times i tell them to....BS
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  • wiplashwiplash Member Posts: 7,145 ✭✭
    edited November -1
    quote:Originally posted by spasmcreek
    oh yeah CC protection ????..i have one CC..only one at a time since CC's originally came out...pay in full the day i get the monthly bill ...this one since 2008...CANNOT get thru and get anyone to fix a charge i did NOT get 30 days ago...one time they got tired of talking to me so they put on a screeeeeeeech that blasted my ears till i hung up.....4 times now....i am going to quit this one and get another bank offered visa where i have an account...and they have gals answer that will not talk clear and slow so i can hear on a cell phone, no matter how many times i tell them to....BS


    I would go to your local News and let them record it![;)]
    There is no such thing as Liberal Men, only Liberal Women with Penises.'
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  • wpagewpage Member Posts: 10,201 ✭✭✭
    edited November -1
    +1 on putting a block on the big 3 credit groups.
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  • carbine100carbine100 Member Posts: 3,071 ✭✭✭
    edited November -1
    Also check your homeowners policy. Mine covers identity theft.

    You might already be paying for one???
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  • Toolman286Toolman286 Member Posts: 3,252 ✭✭✭✭
    edited November -1
    Thanks for the advise. Yes, my homeowner's policy covers it after the fact, but I'm interested in monitoring. I'll check out the free ones first & try the block.
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