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How to Protect Yourself Against Identity Theft

You may be aware that identity theft is one of the most rapidly growing crimes in America. Particularly in tough economic situations, identity thieves run rampant. Free annual credit reports can mostly be trusted, but these are only available once per year. The negative changes that can occur on your credit report in one year if you become a victim of identity theft could be devastating because identity theft and credit reports are intertwined. If you are interested in identity and theft protection, it is time you looked into a credit monitoring service.

If you think that investing in a credit monitoring service is a waste of money, consider how much they do for you in regards to your identity and theft protection measures. If your identity is stolen, the fact that these monitoring services examine your credit at least monthly could save you huge amounts of money. This common crime literally happens on a daily basis. You may have a home security system to prevent people from breaking in and hurting you or your family or stealing your possessions. This is a tangible thing you are doing to protect your assets, but a more common crime today is identity theft.

Consider the inseparable connection between the possibility of identity theft and credit reports showing highly altered scores. Without protection, an identity thief could run rampant and destroy your score before you even know what is happening. A credit monitoring service does more than passively examine your score. If any suspicious activities show up on your credit report, you will be notified via email or telephone. There is no need for you to continually pay for credit reports, not knowing if there is anything else you could do in regards to identity and theft protection because the credit monitoring service will do it all for you on a monthly basis.

If a situation of a stolen identity does occur, a fact you can verify after being notified by the monitoring service, you can request a freeze to be placed on your accounts to halt the thief’s activities. You can also request to view the credit history of the recent past to connect the identity theft and credit reports together. Remember that with a credit monitoring service on your side, your credit will not be affected by identity theft, which is the best form of identity and theft protection you can give yourself during these troubling times.