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With all this hacking going on What service should I sign up to protect and watch my identity?


G+_Bart Dyer
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Unless you apply for credit often, an inexpensive and effective way of securing yourself from ID theft is with a credit freeze ( http://goo.gl/RYdmhp ).  It is a bit inconvenient to have to access a credit reporting agency (CRA) and pay for a temporary unfreeze, but it's cheaper than a month of credit monitoring. 

 

Plus, protection services put "advisory" warnings on your account, which still allow companies to access the data and potentially grant credit.  A freeze totally stops access to your data.

 

For protecting against card compromise, CreditKarma is free and does a good job of monitoring your current accounts to detect potential compromise.

 

ChexSystems.com is not a CRA, but many banks check them before opening an account.  You can also freeze your information there for free.

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