Identity ProtectionBy Michael Hawthorne
The explosion of online and mobile access to every aspect of our lives has increased the risk that your sensitive financial information will be available to prying eyes. While financial and e-commerce companies spend time and resources to ensure security on their sites, there are literally billions of wireless and online transactions per day and it's impossible to foresee every gap in the system. Identity protection services have evolved to monitor these "gaps" and alert you to suspicious acitivity.
The protection products available to you fall into two broad categories: credit monitoring and comprehensive identity protection services. Credit monitoring services are provided by the three main credit bureaus and typically involve a monthly fee in the $18-23 range in exchange for alerts regarding material changes to your credit reports within 24 hours of an occurence. CardJoy has partnered with Transunion to offer you a 7-day trial of Transunion's three bureau credit monitoring service for $1 which includes free access to your Transunion credit score. Full details are available on the Transunion site.
Comprehensive Identity Protection
Comprehensive identity protection includes credit bureau monitoring as well as a portfolio of identity protection tools. Lifelock Ultimate® is the best comprehensive identity protection service on the market. Lifelock's Ultimate service gives you access to all 3 annual credit reports, monitoring of all three reports for risks, all 3 annual credit scores, a monthly update of your Transunion credit score and a range of identity protection services including surveillance of black markets for the sale of your personal information and alerts whenevever someone attempts to open a new line of credit or a checking/savings account using your personal information. The list of benefits goes on. Check it out for yourself and take advantage of our relationship with Lifelock to get 10% off.