| It is very unfortunate that we now live in a time where | | | | monthly charge may seem unnecessary. However, |
| we have to pay to protect our identity. Identity | | | | unless you intend to place phone calls to the credit |
| protection is essential; however some industry | | | | bureaus, set alerts every 90 days, and continually stay |
| professionals may argue that an identity theft | | | | on top of your credit you will be at risk of having your |
| protection service may not be worth the money | | | | identity stolen. |
| required for a membership. This is because you could | | | | The best types of identity theft services are those |
| do almost everything that is offered in these services | | | | that offer insurance in the event that your identity has |
| yourself. However, just like any type of service it is | | | | been stolen. Consumers must beware of services that |
| often more efficient to leave identity theft protection | | | | offer guarantees or warranties in lieu of insurance. |
| up to the professionals. | | | | Many services offer up to $100,000,000 guarantee |
| If you were to decide to go with a professional service | | | | which seems like a phenomenal deal. However, a |
| there are a number of benefits that would be included. | | | | guarantee means that you are entitled to recoup the |
| You can get alerts whenever something has been | | | | money lost in the case of identity theft if the theft was |
| added to your credit or if someone has looked into | | | | a direct result of a malfunction in the theft services |
| your credit (such as the bank or other creditors). This | | | | that they provide. By using a company that offers |
| is something that again can be handled directly by the | | | | insurance plans you will be able to recoup that money |
| consumer; it is much easier and faster for these | | | | whether or not it was due to faulty protection. |
| companies to handle this. | | | | While it is not absolutely necessary to use professional |
| These services can range anywhere from $10 to $20 | | | | theft protection services, it is recommended. |
| a month. In these slow economic times an extra | | | | |