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Id Theft Insurance

Saturday, September 19th, 2009 (No comments yet)

There are are a variety of sources that you can find that say that insurance doesn't work, but some people feel some peace of mind by having it, necessary or not.

Fair enough. But consider that when you are paying for a service, you should get your money's worth or it's nothing but a rip off. What do you really get for ID theft insurance? Granted the details vary by the service, but once you freeze your credit, what do you need the insurance for?

If you must pay for a service you don't need, at least pick one that's not tricking you out of your money. Do some research before pulling out the checkbook so-to-speak. As an example, take a close look at Lifelock and what they offer, and you'll quickly see it's not all it's cracked up to be.

Too Late!

If you've already become a victim, here is a list of things you should do.

Solving ID Theft

Lock your credit reports with a Credit Freeze to prevent credit-based ID theft (90% of ID theft risk).
Learn to protect your information to prevent not only ID theft, but many other kinds of problems (the rest of ID theft risk).

Save Time and Money

cancel Credit Monitoring services.
Cancel Id Theft Insurance

Who is Responsible?

Sometimes you just have to wonder why it's so easy to steal identities in the first place.
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Quick Tips:
IDENTITY THEFT
How to Steal Identities - Why It's So Easy
Credit Freeze
Data Defense
Credit Monitoring
Id Theft Insurance
The Identity Theft Victim's Mini-Guide to Recovery
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The Geek Privacy Principle
Nothing to Hide
Data Abuse
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The Identity Theft Victim's Mini-Guide to Recovery

If you've already experienced ID theft, here are some tips of what to do next.

[Click for full description]

How to Stop Credit-Based ID Theft with a Credit Freeze

A credit freeze locks your credit report preventing any thieves from being able to open new accounts in your name. Your credit cards and current accounts work like they always have.

[Click for full description]

Data Defense

One of the most important, but least understood, threats against us today is the creeping data-abuse by companies seeking to compile complete profiles on every American in order to enable "targeted marketing".

Until laws are in place to control their use of your data, learn the tips and tricks to make it harder for them while improving your identity-theft defense at the same time.

[Click for full description]

Credit Monitoring

What is credit monitoring, why it doesn't live up to its promises, and what you can do instead.

[Click for full description]

Id Theft Insurance

Id theft insurance is another of the many types of "services" that have been created in response to the id-theft problem. But rather than help you solve identity theft, it generally helps the insurance company transfer money from you to them.

[Click for full description]