Best ID Theft Protection Services for 2017

Best ID Theft Protection Services for 2017

ID theft protection
  • ID theft protectionWhen most people think about protecting themselves, their families, and their businesses, they look to home security systems armed with alarms designated to alert homeowners to entry as well as cameras that can catch intruders in the act, ensuring they will be brought to justice. It’s vital to find a company you can trust (such as Dynamark Security of Richmond) to provide this kind of physical security for your family and business.

    But what about your cybersecurity? You need to think beyond your family’s physical security— identity theft is a big issue, and becoming more prevalent every year. Between May and July of this year, Equifax was hacked. The data breach affected at least 143 million Americans—almost half of the adult population of the United States of America, and it wasn’t just adults whose data was stolen.

    The following are examples of the best ID theft protection services you can work with to make sure you and your families are protected.

    Identity Guard

    What is covered?

    ID Guard offers monitoring of three bureau credit reports, all credit cards and public records, social security numbers, bank accounts, applications, and internet security.

    What is not covered?

    ID guard does not alert the credit bureaus to fraudulent activities. They do not monitor the sex offender registry, and they do not offer 24/7 phone support.

    What is unique?

    ID Guard offers a higher standard of computer security than any other on this list. Zone Alarm Internet Security Suite, anti-keylogging software, and ID Vault software are included with purchase.

    What do consumers say?

    ID Guard has a four out of five stars on Consumer Affairs. Shawn from Alabama gave ID Guard a five-star rating, saying,

    “I chose the service for extra protection and to be alert without much effort. It does a great job with protecting me from hackers and intrusions that continue in their efforts to steal your information.”

    While Dan from Georgia gave ID Guard a three out of five stars and said,

    “However, I did receive a lot of calls about upgrading my service. Normally I would ignore calls to upsell or telemarketers, but they are supposed to call if my identity was stolen.”

    LifeLock

    What is covered?

    LifeLock monitors three bureau credit report scores, applications, driver’s license and passport activity, investment accounts, credit card and bank accounts, sex offender registry, court records, as well as social security numbers.

    What is not covered?

    No computer security software is offered.

    What is unique?

    LifeLock does have a guarantee on its one million dollar insurance, however, it is more expensive than most identity theft plans.

    What do consumers say?

    LifeLock has just over a three out of five-star rating on Consumer Affairs. The negative reviews appear to have happened after the Equifax data breach and were about long waits to reach customer service to set up protection.

    James from Washington who gave LifeLock a five-star review said,

    “I have heard stories of things like this happening. However, there have been a couple of incidents in my past that made me suspicious. I was able to easily correct those problems.”

    Privacy Guard

    What is covered?

    Privacy Guard offers three bureau credit report monitoring, as well as internet, social security number, bank account, and credit card monitoring.

    What is not covered?

    Privacy Guard does not provide alerts to the credit bureaus when there has been fraudulent activity.

    What is unique?

    They do offer Norton Internet Security software with their plans.

    What do consumers say?

    Unfortunately, Privacy Guard was only scored at just over one out of five stars. The largest complaint seems to be membership cancellations due to financial institutions no longer doing business with Privacy Guard.

    Experian

    What is covered?

    Experian has comprehensive monitoring of three credit bureau reports, credit applications, social security numbers, driver’s license, passport, non-credit loans, address change, credit card, bank account activity, sex offender registry, and court records.

    What is not covered?

    It does not have internet security software offered, and the one million dollar insurance is not a guarantee. 

    What is unique?

    If you prepay annually you get two months free instead of the usual one month free offered by the other companies.

    What do consumers say?

    Experian only has a one out of five-star rating on Consumer Affairs.

    Kevin from Massachusetts gave a one-star rating because his plan was raised to a premium plan without his consent. He said,

    “I never once accessed this account during this time period, and I certainly did not upgrade to premium. However, the representative informed me the account was being accessed several times per month. As I am not accessing it, clearly there is fraudulent activity, to which Experian was not only completely unsympathetic, but shockingly unconcerned.”

    Most other complaints stem from price raising without consent and charges assessed for credit freezing. 

    ID Watchdog

    What is covered?

    ID Watchdog does cover three credit bureaus and monitors bank accounts, credit cards, public records, driver’s license and passport activity. They also alert bureaus of fraudulent activity and offer resolution assistance.

    What is not covered?

    ID Watchdog cannot remove your name from direct mailing lists, a service that LifeLock offers, and you are charged a fee for credit history reports.

    What is unique?

    It has been recommended as the best service if you are already an identity theft victim.

    What do consumers say?

    While there are no consumer ratings on Consumer Affairs, an expert review had nothing but positive things to say, including a positive review of the customer service representatives,

    “Expedient and ready to help with any questions you may have.”

    Determining which ID theft protection service will best ensure your personal security, your family’s security or your business’s security is a difficult task. Should anyone ever attempt to steal any information of yours, you will be glad you put forth the effort. Your security online is important, as is your physical security. Contact Dynamark Security Centers today to get assistance with your home and business security!