Credit Report Reviews & Comparison

Editor's Note:

There are currently no special offers for Protect My ID, but this doesn't detract from the fact that they are competitively and fairly priced.

Summary

ProtectMyID are one of the three national credit bureaus and as a result you can expect to receive high quality credit monitoring services, trained and experienced customer service staff and some of the most trusted features around. They’ve worked hard to perfect their credit monitoring services over the course of a few decades and customers certainly benefit from that overall expertise.

Overview of Pricing

If you have been busy searching the credit report market you may have noticed that it is an industry standard to offer a $1 credit report and trial service. ProtectMyID doesn't stick to this rule, but they do offer a 14-day money back guarantee for their $15.95 per month services instead. There are additional fees for added services, such as ChildSecure for $6.95 per month, but these are more than competitive in relation to the services offered.

Have you ever noticed that as the technological world around us evolves, so do the ways that black market traders work to steal important information from us in order to attempt to commit identity fraud. Identity theft has been growing in popularity over the last decade or so and doesn't seem to be letting up any time soon, meaning that we as individuals need to work to protect both our personal and financial information as soon as possible. You may have heard of credit report companies and the services that they offer to help you to stay on top of things, but with so many scary stories around the net involving their credibility, how do you know which provider you can trust? We take a look at Protect My ID, who is just one of the many providers out there, to see if they not only have the services you need, but the trust and reputation to actually deliver exactly what you're looking for.

Credit Monitoring, Reports and Scores

ProtectMyID is a credit report company that is powered by Experian, one of the three major credit bureaus. Because Experian own a handful of these companies, ProtectMyID is able to provide you a tailored service that focuses on a specific area of expertise. In this instance you can expect to receive Experian credit report monitoring services in particular- with no credit scores- which means that your security is of upmost priority.

The extensive monitoring system used by ProtectMyID comes with a wide range of customizable alerts that can be set up to notify you via email, text or phone as you need, whenever any notable changes occur on one of your credit accounts. In short, any changes such as inquiries, new addresses or even new accounts created in your name (or using your details) will be spotted by ProtectMyID and you'll be the first to know what's going on. Your credit reports are also consistently monitored and are updated daily so that you can have even better peace of mind. Within your credit reports you will receive a number of additional tools and features, too. Detailed, personalized information is provided to you to help you to understand how to both improve and/or maintain good credit.

You will also be privy to the assistance of identity theft professionals who will work to provide you with rapid resolution should you fall victim to identity theft whilst enrolled in their services. Of course, this will be an unlikely event as your information will be tracked daily via extensive credit report monitoring tools and services.

Identity Theft Protection and Tools

In addition to their monitoring services, ProtectMyID will scan the internet to ensure that important information such as your social security number, a maximum of three credit and debit card numbers and more are not being used without your knowledge. ProtectMyID also work to monitor the U.S Postal Service database for any address changes and they will alert you if any creditor reported address changes do occur, or even if your mail is suddenly redirected.

ProtectMyID also offer ChildSecure, an identity protection service that will monitor your child's Experian credit information for $6.95 per month. You might not realize it, but child identities are in high demand on the black market so this is a great standard feature to have. You can even enrol all of your children (as long as they are minors) under the same monthly fee.

If your credit or debit cards are lost or stolen at any time during enrollment, ProtectMyID will help you to cancel them immediately. ProtectMyID must have access to your account numbers upon subscription to receive this feature. If a bank or card issuer decides to hold you liable for any fraudulent charges made on any of your cards, ProtectMyID's resolution specialists will work to reimburse you as they have a whopping $1,000,000 insurance policy which covers expenses such as these.

Features and Highlights

With ProtectMyID you can also expect to receive:

• Internet Scan
• Medical Record Monitoring Services
• Tailored Alerts and Related Credit Security Advice
• Online Risk Assessment Quiz
• ID Theft Resource Center

How is the Customer Service?

ProtectMyID's customer support call center is open to customers from 6 a.m. to 6 p.m. PT from Monday to Friday and 8 a.m. to 5 p.m. PT on weekends. There is an extensive FAQ's section and identity theft resource center that will answer all you need to know regarding product details, explanations, instructions and more.

It may be worth bearing in mind that Experian has one of the most helpful and experienced customer service teams in the industry with proven care for customers and quality services as their top priority.

Sign Up Process

When signing up you will need to enter your standard personal information and follow the necessary steps to create your account. It's a straightforward process that will require your Social Security number and valid credit card details. When you initially subscribe you will receive a single Experian credit report, but they do not provide credit scores.

Pricing Concerns

ProtectMyID doesn't have the industry standard $1 fee to gain access to credit reports, scores and trials, but they do offer a 14-day money back guarantee for their $15.95 per month services. There are additional fees for added services, such as ChildSecure for $6.95 per month.

Overall

Although you will be receiving great features and services, ProtectMyID does not provide you with three-bureau credit monitoring services or reports and scores so you are not getting an all round idea of your current financial standing. The price is quite high considering this fact, as many leading industry competitors do offer this, and much more besides. They are one of the three national credit bureaus though, and as a result this does give them a huge advantage over smaller, less experienced companies in terms of trust and customer service. They’ve worked hard to perfect their credit monitoring services for decades and you could certainly benefit from that expertise.