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If you're like most people, you work hard to build your assets and maintain good credit in the eyes of lenders. Through no fault of your own, however, your hard work can be undermined through identity theft. Having your identity stolen can wreak havoc on your life. If your social security number is compromised, thieves can rack up thousands of dollars on credit cards you don't even know you have. Your credit rating can be ruined to the point where it's impossible for you to get any kind of loan. In the worst cases, thieves can get driver's licenses in your name and impersonate you in criminal pursuits. A warrant could be issued for you for crimes someone else committed in your name.
There are dozens of ways that criminals can access your personal and financial information. For example, they can steal your wallet or purse, riffle through your mail for credit applications, hack into your online accounts or bribe employees at companies who have access to your financial records and identity theft protection. Protecting yourself from ID theft requires constant vigilance. There are steps you can take to minimize or prevent ID theft, some of the areas of opportunity for thieves (such as shredding credit card applications and using computer firewalls), but there are some vulnerabilities you simply can't prevent. For those things, early detection is the only way to minimize the damage.
The three main credit reporting agencies, TransUnion, Experian and Equifax, all provide one free credit report per year to consumers. Reviewing these credit reports is one way to identify fraudulent activity. Unfortunately, checking your credit report once a year is not enough to prevent damage from ID theft . Your credit rating can fall quickly once your identity has been compromised. You need to know what's on your credit on a regular basis to thwart identity thieves from the start.
ID TheftSmart from Comodo offers Identity theft Prevention and restoration services. Besides providing access to your credit score and credit report, ID TheftSmart monitors your credit constantly and alerts you to issues before they have a chance to damage your credit rating. Additionally, they provide email warnings of potentially fraudulent activity so you can stop it in its tracks. You do not have to fear for your credit rating or your good name when you enroll in the ID TheftSmart program.
If you do become the victim of ID theft, ID TheftSmart makes it easy to rectify the problem. A team of licensed investigators immediately puts fraud alerts on your credit to prevent further damage. They then comb through your personal and financial records to identify any suspicious activity and work with the proper authorities to restore your proper credit rating and good reputation. Recovering from identity theft on your own can take hundreds of hours of your personal time. If you are a member of ID TheftSmart, however, most of the work is done for you. Neither your time nor your credit has to suffer from someone else's bad deeds when you protect yourself with ID TheftSmart.