Identity Theft Services Comparison - Fraud Alerts
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News Feed From The Identity Theft Resource Center |
| Discounts Available on the web: | Google Search For Promo Codes | Google Search For Promo Codes | Google Search For Promo Codes | |
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Price:
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$9/mo or $99.00/yr | $10.00/mo or $110.00/yr | $12.95/mo. or $109.95/yr | |
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Primary Service:
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Fraud Alert Mangement | Fraud Alert Mangement | Fraud Alert Mangement | |
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Top Feature:
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Protects privacy of consumer's phone number and warns consumer of potential theft in advance | Recognizable Brand Name | Credit Card misuse early warning service | |
| Notification Process: | Requests are sent to consumer at up to 3 different phone numbers and by email to speed up fraud detection and approval process | Relies on creditor to locate and contact consumer | Relies on creditor to locate and contact consumer | |
| Fraud Alert Contact Number: | Assigns a "Safe Phone Number" that is published in consumer's credit file to keep information private | Places consumer's personal phone number in credit file so it is no longer private | Places consumer's personal phone number in credit file so it is no longer private | |
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Free Credit Reports Included:
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Yes (optional) | Yes | Yes | |
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Prevents Pre-Approved Credit Card Offers:
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Yes | Yes | Yes | |
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Prevents Unwanted Telemarketing Calls:
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Yes (optional) | No | No | |
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ID Theft Expense Reimbursement Coverage:
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$1 million plus $25,000 ID Protection Insurance underwritten by AIG Insurance also includes reimbursement of professional fees and lost wages and provides assistance of an ID Theft Specialist | $1 million service guarantee includes reimbursement of attorney fees for lawyers selected by the company. | $1 million guarantee includes reimbursement for lost wages and legal fees. Attorney must be approved by the company. | |
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Size of Customer Base:
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Hundreds of Thousands | Hundreds of Thousands | Hundreds of Thousands | |
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Company Reputation:
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Excellent - Identity Protection NetworkTM was selected by several states as sole ID theft solution following data breaches | Good - Company has built recognizable brand but has suffered some negative publicity | Good - The parent company provides other services for banks and financial institutions | |
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The FTC estimates that 9 million Americans have their identity stolen each year. Identity theft is the fastest growing crime in the United States. Identity theft occurs when thiefs use your personal information (such as your address, credit card numbers, social security number or driver's license number) to gain access to money, credit or goods and services in your name. Since your name is used for these activities, companies come to you seeking repayment of the money or goods that were illegally obtained. While legally you do not owe anything, it can often be difficult to prove this and it can take months and even years to get everything straightened out, costing you a huge amount of time and resources. In the meantime, you can be left with little to no access to credit as credit card companies, banks, utilities (phone, cell phone, tv) and other financial institutions can cut off your credit accounts until your good name is restored. Many people have actually been arrested and jailed (some multiple times) because an identity thief committed crimes in their name.
By law, fraud alerts must be renewed every 90 days. While, fraud alert management services are not for everybody, most consumers find that it is easier and safer to retain a service such as LoudSiren (Debix) or LifeLock than to place and maintain the fraud alerts themselves. Bundled with identity theft insurance and other features, these services offer a great “bang for your buck.” Of particular note, LoudSiren (Debix) offers the consumer the ability to receive a fraud alert call at any of three telephone numbers while never making the numbers available to anyone viewing the consumer’s credit report. That is something LifeLock can’t do and that you can’t do for yourself.
For more complete information on Identity Theft and Scams see: www.idtheftcenter.org
For information on state identity theft laws for your location see: www.idtheftcenter.org/map.html
"LoudSiren" is a service mark and/or trademark of LoudSiren, LLC.
"Debix" and "Identity Protection Network" are registered trademarks of Debix, Inc.
"LifeLock" and "Guarantee Your Good Name" are service marks and/or trademarks of LifeLock, Inc.
"TrustedID" is a service mark and/or trademark of TrustedID, Inc.
By law, fraud alerts must be renewed every 90 days. While, fraud alert management services are not for everybody, most consumers find that it is easier and safer to retain a service such as LoudSiren (Debix) or LifeLock than to place and maintain the fraud alerts themselves. Bundled with identity theft insurance and other features, these services offer a great “bang for your buck.” Of particular note, LoudSiren (Debix) offers the consumer the ability to receive a fraud alert call at any of three telephone numbers while never making the numbers available to anyone viewing the consumer’s credit report. That is something LifeLock can’t do and that you can’t do for yourself.
For more complete information on Identity Theft and Scams see: www.idtheftcenter.org
For information on state identity theft laws for your location see: www.idtheftcenter.org/map.html
"LoudSiren" is a service mark and/or trademark of LoudSiren, LLC.
"Debix" and "Identity Protection Network" are registered trademarks of Debix, Inc.
"LifeLock" and "Guarantee Your Good Name" are service marks and/or trademarks of LifeLock, Inc.
"TrustedID" is a service mark and/or trademark of TrustedID, Inc.