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Credit Freeze App Credit Freeze Or Credit Monitoring? Best Ways to Fight Identity Theft is Best Identity Theft Prevention and Identity Theft Protection App Provides The Only Comprehensive Identity Theft Protection Service, and Decreases The Likelihood of Victimization. Comprehensive ID Theft Protection Coverage Includes.

We have all most likely read or come across news articles that discuss identity theft. Finally, a summary of everything you need to know about what it is, how can you prevent it, and what is the best option for you considering cost and convenience.

Why Is Identity Theft a Problem?

The FTC estimates around 9 million people a year have their identity stolen. Identity theft is a can be a major problem among Americans and can be defined as the action of someone stealing your personal identifiable information such as your name, Social Security Number, Credit Card Number without your permission to commit fraud (like taking a loan out in your name, buying a product with your credit card etc).

How Does Identity Theft Happen?

Thieves obtain your information in many ways including going through your trash (shrewd your documents), stealing your credit card number from an appliance behind an ATM, or Phishing by getting you to go to web pages that look like your bank (but are not) or online credit card account where you enter your username and password. They can also change your address, steal your wallet or purse, or call you acting as a financial institution you work with so you provide personal information.

What Are the Consequences of Identity theft? What If Has or Is Happening Now?

Debts or negative consequences that are not reported right away the consumer can be liable for. Moreover, this theft can hurt your credit and hold up an approval for a mortgage, car loan, boat loan etc or anything that requires good credit. For example, if someone takes out a credit card in your name and charges something, and you do not call the credit card company within 60 days, you could be liable for the debt and it may also prevent you from access to certain financial products or a job. If you think you are a victim of fraud, file a police report, and submit an ID Theft Complaint with the FTC and bring printed confirmation with police report because unresolved company disputes will need support.

So What Are My Options to Prevent the Mess of Identity Theft?

Credit Monitoring:: Credit Monitoring is a service you pay for monthly where credit bureaus send you changes or email alerts when something has changed with your credit report. The credit bureaus collect your information anyway from public records, banks, financial institutions, and other creditors. There are some companies that have Fees ranging from about $60-$129 a year for service. Some services come with insurance protection in case fraud was committed.

Benefits: Email Credit Report Alerts, Reasonably Inexpensive, Saves You Time As You Get Changes Only