Woodalls Open Roads Forum: General RVing Issues: ID Theft Plans--Your experience, please
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Open Roads Forum  >  General RVing Issues

 > ID Theft Plans--Your experience, please

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IDman

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Posted: 03/26/13 09:39am Link  |  Print  |  Notify Moderator

Am considering buying an ID Theft plan and would appreciate hearing from those who HAVE or have HAD them. Were they good or bad, worth it or not, etc. Thanks!

rr2254545

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Posted: 03/26/13 09:48am Link  |  Print  |  Notify Moderator

Waste of money


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2oldman

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Posted: 03/26/13 09:56am Link  |  Print  |  Notify Moderator

I use Identity Guard. Seems like a good deal. What I like is being notified of any activity on my credit report.

I had a nasty experience with that 'other one' who advertises a lot. Don't recommend them.

JAXFL

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Posted: 03/26/13 10:14am Link  |  Print  |  Notify Moderator

i use EQUIFAX MOBILE that is part of the 3 credit companies. I put all my card and credit info in the system ane get alerts on my cell phone of any and all activities that hit any of the 3 companies. Cost is $20 a month. It also watches my checking accounts for any trasaction over what I set it for. Seems to work.

beemerphile1

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Posted: 03/26/13 10:24am Link  |  Print  |  Notify Moderator

The biggest hassle of ID theft is all the work required to straighten it out. Unless a plan is doing all that work for you it is worthless. Phone calls, driving around, letters, etc.


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M GO BLUE

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Posted: 03/26/13 10:33am Link  |  Print  |  Notify Moderator

There is a well known company out there with the commercials that advertises for $$ per month your ID will not be stolen, compromised, etc. - from what I understand and have heard from others is what they do is call all 3 credit agencies (Equifax, Experion, Trans Union) and they put an alert on your credit reprt...period (BTW this is something you can do yourself)

As for your checking accounts and credit cards you can usually put alerts on them via your financial institution...




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easttexan

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Posted: 03/26/13 10:44am Link  |  Print  |  Notify Moderator

If you have homeowners insurance, you can buy ID theft coverage for around $25 per year. Sorry I don't know much about the coverage, but would assume it is an expense reimbursement and not something that might actually protect your ID. From the Travelers Insurance site:

Travelers identity fraud expense reimbursement coverage can cover:

Expense reimbursements up to $25,000 with no deductible for named expenses incurred to restore your identity including:
Reimbursement for Medical ID Fraud Expenses
Travel Expenses
New Government IDs
Tax ID Fraud-Related Costs
Lost wages
Attorneys' fees
Resolution services to help reclaim your identity and restore credit
Guidance from one of our consumer fraud specialists

With our fraud protection services, you'll have the financial assistance and professional support of our consumer fraud specialists to reclaim your identity. Travelers' identity fraud expense reimbursement coverage is an invaluable addition to any homeowners insurance policy you may have.

I am still wayne_tw

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Posted: 03/26/13 11:21am Link  |  Print  |  Notify Moderator

The best protection is free or very inexpensive depending on what state you live in. Just freeze your credit. No one can access your credit on all three bureaus unless they know your pass word. With it frozen, if anyone has your personal information, they cannot do anything with it.

monkey44

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Posted: 03/26/13 11:55am Link  |  Print  |  Notify Moderator

I am still wayne_tw wrote:

The best protection is free or very inexpensive depending on what state you live in. Just freeze your credit. No one can access your credit on all three bureaus unless they know your pass word. With it frozen, if anyone has your personal information, they cannot do anything with it.



Not so sure the ID theft uses your credit as much as buys itself new CC with the information, and the information usually comes from other places beside your credit report.

It makes new cards and buys items on your ID until someone stops it. It just pretends its YOU for as long as possible.

I have everything online and can watch it myself - don't need to pay anyone to watch it for me. It a takes 30 days for any purchase to clear, and takes three days for an online payment to clear. So, if you watch it, you'll see it.

And, even if someone pretends to be you, you have no obligation to any bank or credit client if it ain't you that took it out. And credit agencies have thirty days to prove any thing on your report and sixty days to remove it if they can't prove it. So, I'm not sure why anyone would pay for a service that does nothing for you anyway, in truth. All they will do is tell you how to fix it if anything happens ...

Now, an insurance policy for loss, that's different.


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Dakzuki

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Posted: 03/26/13 12:06pm Link  |  Print  |  Notify Moderator

Consumer Reports article

Lifelock founder's ID stolen 13 times. So how good is his product?


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