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Forum Thread

Best Identity Protection Service?

2,996 2,911 January 8, 2021 at 06:29 PM
I already have a basic credit monitoring service that is provided for free via Discover credit card.

Recently, I was notified that someone managed to open a credit line in my name from this service. I managed to catch it in time and they were able to get it closed. I followed up with the creditor as well just to be sure.

However, I have gotten another notification that my SSN/etc was found on the dark web and I fear it will only get worse.

I have been looking at different ID theft/protection services online but it seems like each "comparison" I find is paid for by the company that scores #1.

Do any of you have first hand experience with different companies and info that would help someone decide one over the other?

Thanks Smilie
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Saint Louis, MO Joined Oct 2006 L7: Teacher
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Joined Feb 2009
L7: Teacher
> bubble2 3,186 Posts
96 Reputation
Waxed
01-08-2021 at 10:40 PM.
01-08-2021 at 10:40 PM.
I use Credit Karma.

https://www.creditkarma.com/
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Joined Jun 2010
L5: Journeyman
> bubble2 950 Posts
76 Reputation
themacgyver
01-09-2021 at 01:16 AM.
01-09-2021 at 01:16 AM.
Identity protection services are only good if you are looking for some financial back up if something happens. Or if you have been a victim of identity theft. (not just someone skimming your card or number but actually ssn use). Otherwise the best thing and most cost effective thing is to put fraud alerts on your credit bureaus or better freeze them.

Anyhow that doesn't really answer your question sorry but thought I'd chip in on the overall topic.
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Joined Dec 2005
My # is bigger than yours
> bubble2 37,381 Posts
6,517 Reputation
SnakePlisken
01-09-2021 at 04:01 AM.
01-09-2021 at 04:01 AM.
snakeplisken identity protection service is the BEST!!! & it's FREE FREE FREEEE!!!
Kindly provide SSN & bank acct # for verifications purposes & well enroll you most expediently! GOD BLESS!!!
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Joined Jun 2005
Let Sleeping Dogs Lie
> bubble2 8,770 Posts
3,152 Reputation
komondor
01-09-2021 at 06:52 AM.
01-09-2021 at 06:52 AM.
you can put a freeze on your credt


Freezing your credit is free and relatively simple to do.You'll need to contact the 3 major credit bureaus separately and provide your SSN, birthday, and personal information. You'll be given a password, which is what you'll also use to unfreeze your credit when needed.

Freezing your credit is a simple and smart way to prevent fraud and identity theft


https://www.consumer.ftc.gov/arti...reeze-faqs
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Joined Aug 2018
L9: Master
> bubble2 4,098 Posts
329 Reputation
Jokester713713
01-09-2021 at 01:48 PM.
01-09-2021 at 01:48 PM.
Quote from SnakePlisken :
snakeplisken identity protection service is the BEST!!! & it's FREE FREE FREEEE!!!
Kindly provide SSN & bank acct # for verifications purposes & well enroll you most expediently! GOD BLESS!!!

I can't find your website, what is your BBB rating?
😁
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Joined Aug 2003
(o)(o)
> bubble2 9,552 Posts
1,060 Reputation
ikonoklast
01-09-2021 at 02:49 PM.
01-09-2021 at 02:49 PM.
I just use someone else's identity to protect my identity.
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Joined Dec 2005
My # is bigger than yours
> bubble2 37,381 Posts
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SnakePlisken
01-10-2021 at 01:54 PM.
01-10-2021 at 01:54 PM.
Quote from Jokester713713 :
I can't find your website, what is your BBB rating?
😁
Rest assured you won't find it! Just another premium feature our VIP membership provides to protect your identity!! No silly club jackets given out here, just #1 SECURITY!!!
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Joined Jul 2005
killroy was here
> bubble2 12,166 Posts
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dayv
01-13-2021 at 04:21 AM.
01-13-2021 at 04:21 AM.
i wouldn't worry about your SSN being on the dark web. between all the data breaches, the majority of americans are on there. but that's just my 2 cents.
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Joined Jun 2005
Let Sleeping Dogs Lie
> bubble2 8,770 Posts
3,152 Reputation
komondor
01-13-2021 at 06:30 PM.
01-13-2021 at 06:30 PM.
all my information was stolen when OPM was hacked
https://www.csoonline.com/article...erica.html

They have my SSN along with all the usual password recovery information so I now use a very cryptic answer for each security question like the number of letter in the first word multiplied by the numbe rof letter in the last that number in words is my answer so: "who was your first girl" is 4x3=twelve for the answer
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Joined Aug 2003
(o)(o)
> bubble2 9,552 Posts
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ikonoklast
01-14-2021 at 11:00 AM.
01-14-2021 at 11:00 AM.
My first girl was a 2x4 with a personality of a wooden plank. She was a stud finder though. Cool
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Joined Dec 2005
My # is bigger than yours
> bubble2 37,381 Posts
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SnakePlisken
01-17-2021 at 04:52 AM.
01-17-2021 at 04:52 AM.
Quote from ikonoklast :
My first girl was a 2x4 with a personality of a wooden plank. She was a stud finder though. Cool
2x4? as in fatty fatty 2x4 can't get through the bathroom door?? so baiscally you dated a dull cow???
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