Menu
Unlimited access to your credit reports and credit scores from all three bureaus Equifax Transunion Experian Daily monitoring alerts you to suspicious activity Detect and prevent identity theft occurring outside of credit bureaus’ vision Up to $1M of protection against identity theft and white-glove assistance to restore your compromised identity Dark Web Monitoring
Identity theft is a crime in which personal or financial information is stolen for the purpose of assuming someone else’s identity to make transactions or purchases without their authorization.
Once the information has been taken, cybercriminals can then ruin a person’s credit history by opening accounts in their name and abandoning the debts. They may also accomplish this by selling the person’s information to others for a similar purpose.
Identity theft is committed in several different ways.
If you are a victim of identity theft, your first step should be to contact the Federal Trade Commission as quickly as possible to alert the necessary authorities of the fraud that took place.
Once the authorities have been contacted, the next step will be to place a fraud alert on all of your credit reports so that any new accounts opened in your name will receive added scrutiny.
Additionally, you might also want to consider adding a credit freeze so that no more credit is used without your authorization.
Though protecting yourself from identity theft can seem complicated due to the various natures in which it is committed, there are several actionable steps you can start taking today to prevent it from happening to you.
Check Your Credit Report
As a consumer, you are allowed to receive one free credit report from each of the three major credit reporting agencies once a year.
The best way to check your credit report regularly throughout the year is by becoming a member of SmartCredit® and having your credit monitored 24/7. Additionally, SmartCredit®‘s identity fraud insurance gives you peace of mind that you are insured should you become the victim of identity fraud.
When checking your credit report, there are several things you should be looking for.
Even with the added precaution, identity theft can still happen to anyone. In the event that it happens to you, know that you not only have insurance and monitoring against potential ramifications, but you also have a service that will help you get your life back.
Enroll in SmartCredit® today to help insure yourself from identity theft and rest assured that all the insurance and id monitoring service you need is one click away.
While no product can 100% prevent identity theft from occurring, with the help of SmartCredit® identity theft insurance and monitoring services, you can be sure that your credit accounts are always being monitored and that you have the added insurance and monitoring of recovery services at your disposal.
Not only will this service watch out for any potential signs of identity theft, it will also alert you if anything does occur, as well as help you deal with the ramifications in the aftermath.
When looking for identity theft insurance and monitoring, there are two types of monitoring services.
Credit Monitoring
Credit monitoring allows you to track activity on your credit reports. If you see any activity that is unusual or that you did not authorize, you can then take actionable steps to resolve the problem before it becomes worse.
Identity Theft Monitoring
SmartCredit®‘s ID monitoring service alerts you whenever your personal information is being used in ways that may impact your credit reports, such as change of address requests, orders for new utility services, and payday loan applications.
Identity Recovery
In the event that identity theft occurs, identity recovery services will contact the necessary credit reporting agencies to set up obstacles to prevent further loss from occurring and help you in recovering anything that was lost in the process.
