identitytheftlabs1 asked:

Best Credit Monitoring Service visit www.creditprotectionpro.com – Ensuring your identity to be safe and protected with the best credit monitoring service.

Louis

quizzle asked:

At Quizzle, we make it easy to manage your home, money and credit – all in one spot. We give you a bunch of helpful free tools – like a free credit report, free credit score, home value estimator, home loan recommendations and budget planner – so you can make better decisions about your personal finances. Quizzle.com also offers some extras in case your home, money or credit situation could use a little tweaking – things like a credit personal trainer that lets you know what actions you can take to impact your credit, or a identity theft protection tool that monitors the Internet and your credit report 24 hours a day, or our credit monitoring service that lets you know about important changes to your credit report. We’ve partnered with industry leaders to provide you with these services and we do it at a fraction of the cost of other companies. At Quizzle, we give you access to your most important financial information and the means to make improvements. Start managing your home, money and credit today – it’s easy and it’s free. www.Quizzle.com By joining Quizzle (it’s free!), you’ll also get access to a wealth of great tools and information to help you make smart decisions about your life. Stuff like a home value estimate, neighborhood report, home loan recommendations, budget planner and expert personal finance advice. Visit www.Quizzle.com to get started.

Leslie

Jill Mohler asked:




It certainly would be reassuring to know that when we look for a business service to help meet a need, whether it be through the television, print media or the internet, that we could trust that service to treat us loyally. But, the reality is there are many fraudulent businesses out there that don’t have the best of intentions and claim to provide certain benefits to the consumer that they do not or cannot follow through on.

Unfortunately, some of these businesses are Credit Monitoring Services. A common scam perpetrated by Credit Monitoring Services is to lure you into trying their service on a 30-day trial basis and for doing so; you can receive a free credit report. Once you agree to the trial period, you get the free report, but you end up getting charged for the service anyway, despite the claim that if you cancel before the trial period is up, you will not get charged. One of the 3 major credit bureaus was found guilty of this.

In addition, some credit monitoring services claim that they can prevent identity theft. This is not the case. Preventing identity theft requires much more protection than a Credit Monitoring Service alone can provide. In fact, there is no full-proof identity theft prevention, unless of course you place a freeze on your credit report from all 3 credit bureaus; Experian, Equifax and TransUnion. The credit freeze prohibits anyone from creating new accounts in your name or accessing established accounts to steal your money.

All of that being said, it still doesn’t prove that all Credit Monitoring Services are fraudulent or that they don’t provide a reputable service. There are many Credit Monitoring Services that are credible and have been approved by the Better Business Bureau (BBB).

One example is Identity Guard. Identity Guard’s Total Protection package has been rated one of the most comprehensive service packages offered. For approximately $15 dollars monthly, Total Protection offers a free 30-day trial, 3-bureau monitoring (monitoring by Equifax, Experian and TransUnion) and free quarterly reports from all 3 credit bureaus plus daily credit alerts and $20,000 dollars of identity theft insurance.

Another favorite is Equifax Credit Watch Gold with Score Power, also accredited by the BBB. Equifax Score Power offers roughly the same benefits as Identity Guard’s Total Protection, the only differences being that Equifax Score Power offers unlimited access to your FICO score and credit report but from Equifax only AND an initial 3-in-1 credit report which lays out a side by side comparison of the 3 credit bureau reports.

Of course there are numerous other Credit Monitoring Services that are worthy of our trust. The most important thing to remember when you choose any Credit Monitoring Service is to be sure that they meet the standards of the Better Business Bureau. Also, know that if you do choose to go with a Credit Monitoring Service and you feel you have not been treated properly, there is a place to go file an official complaint. Just visit ftccomplaintassistant.gov/ to access the FTC (Federal Trade Commission) Complaint Form.

So, there you have it, some pros and cons of Credit Monitoring Services. Just like anything else in this world, there are two sides to every story and it’s up to us to choose a side. Whether you choose to go with a Credit Monitoring Service or to take on the monitoring process yourself, monitoring your credit report and your credit score is a crucial step towards protecting your financial future.

Christian

Jill Mohler asked:




I think that we are all well aware that we have fallen on hard economic times. People react to economic decline by reducing or eliminating the spending of disposable income and begin to reassess their finances. More than likely, the person of average income will focus on how they will make ends meet and how to keep up with their monthly payments on their mortgage and their car because they know that making their payments late or not at all will negatively affect their credit standing.

That’s why credit monitoring is so crucial to your financial well being. By monitoring your credit or having a credit monitoring service do it for you, you have given your credit an additional layer of protection. Your credit standing affects so many facets of your life, from buying a home to obtaining a job to being able to get credit to buy furniture and other expensive items, so why jeopardize it? Moreover, it’s the digital age and an enormous amount of personal information is floating around in cyberspace where clever hackers are just waiting for a chance to hack in and steal it, such as your Social Security Number, Address, and even credit card information.

According to the Federal Trade Commission, 10 million consumers fall victim to some type of identity theft each year. In fact, identity theft is one of the fastest growing crimes in the U.S. and Canada.
Credit Monitoring services originated as a result of an epidemic of financial fraud and identity theft. It was the three CRA’s (Credit Reporting Agencies), Experian, Equifax and TransUnion that first began offering these services to the public. Then came an outpouring of credit monitoring services, some reputable and some not.

There are many arguments for an against credit monitoring. Read a blog or two or Google “Credit Monitoring” and you will undoubtedly find a plethora of articles saying that credit monitoring services are scams, that their level of protection isn’t worth the money you spend on them and they aren’t effective in preventing identity theft. Then there’s the side of the people saying they’ve been the victim of identity theft and that credit monitoring services CAN prevent your identity from being stolen and NOT having a credit monitoring service is like playing Russian roulette with your credit.

Which side should we believe? We do need to be aware of credit monitoring scams. There are many credit monitoring services who claim that you can get a free credit report if you give them a 30-day trial, and even when you meet the terms of their agreement, which is to cancel before the trial period is up; they’ll still charge you for a month of services. To prevent this from happening, check any company you are planning to utilize, against the Better Business Bureau.

It’s important to note that it could take up to 30 days for a security breach to show up on your credit report. Credit monitoring services are not full-proof safeguards. They can only help to soften the impact of financial fraud. If you have chosen a service that only checks one of your reports, let’s say from Equifax, then it’s possible that a breach can occur on one of your reports at Experian or TransUnion and you would not be aware of it until the damage has already been done. That’s why your best defense is to purchase a three bureau monitoring product. This type of monitoring service monitors your reports from all 3 CRA’s and thus makes it less likely that someone can steal your personal information.

Take action right now. Make the decision to have a credit monitoring service protect your credit report or get educated on how to self-monitor. The cost of protecting your credit definitely outweighs the cost to your bank account if someone decides to steal your money or your identity.

Jeff

creditmonitoring asked:

Credit monitoring service review that is offered in the video discusses the benefits of using credit monitoring services, like the ones offered at bestcreditreports.com

Grace

freecreditscore asked:

Watch the new freecreditscore.com band sing the virtues of keeping your credit score on par. It just takes a little advice from a rich old man and the help of America’s #1 credit monitoring service.

Derek