IdentityTruth is an identity theft protection service that monitors your personal data, maintains fraud alerts, and provides various other credit fraud protection services to help guard you against identity thieves.
IdentityTruth offers a wide range of services that can help protect your identity, monitor your personal information, give you constant access to your current credit report, and even predict if your identity is likely to be stolen in the future.
They also offer an absolutely free trial for 90 days (i.e., no credit card required, no cancellation necessary, no social security needed, etc.), which rates your risk level, notifies you of possible unauthorized events associated with your identity, and informs you if your personal data may have been breached.
IdentityTruth offers the following services to help protect your identity.
Personal Data Exposure Monitoring
IdentityTruth tracks thousands of data breaches every year from companies like banks, schools, government agencies, retail stores, websites and many other institutions that lose peoples’ personal information, which happens to about 100 million personal data records each year.
Then, based on your potential or actual associations with these companies, they alert you to instances where your personal data could have been compromised.
Simple exposure of your personal data doesn’t guarantee you’ll be a victim of identity theft, but this early notification can help you safeguard your privacy.
Public Data Source Monitoring
IdentityTruth monitors your personal data including financial transactions, your social security number, employment information, credit data, addresses, phone numbers, marriage records, and court records for patterns of fraudulent identity activity and possible credit fraud.
If they find unusual activity, like a new phone number or an application for a rental property in your name, they alert you to this activity and advise you on the necessary actions needed to prevent further damage.
It’s important to understand that IdentityTruth does not monitor your credit reports at the credit bureaus. However, although Credit Report Monitoring Services do provide a valuable service, they do not necessary stop identity theft, as they only report changes in your credit report to you after they have already occurred, which means your identity has already been used to commit fraud by the time you are notified.
Instead of monitoring your credit reports and reporting identity theft after the fact, IdentityTruth monitors public data sources to help prevent credit fraud from ever being committed against you in the first place.
24/7 Internet Monitoring
IdentityTruth monitors the Internet on a 24/7 basis, tracking thousands of fraudulent websites, both domestically and overseas where 80% of identity fraud is perpetrated, for signs that your personal identity has been compromised.
Identity Breach Alerts
IdentityTruth will automatically notify you of any suspicious activity involving your personal identity via email or text messaging directly to your cell phone immediately upon identifying any issues, and they will take prompt action on your behalf to find a resolution if you are ever a victim of identity theft.
IdentityTruth places fraud alerts on your credit reports at the 3 major credit bureaus, Equifax, Experian, and TransUnion.
Fraud alerts are an indication to potential creditors that they should take reasonable actions to verify your identity before issuing credit in your name.
This does add an extra level of protection, but unfortunately, there are no actual laws that require creditors to verify your identity when you set a fraud alert, so in the real world, the appropriate steps to verify your identity are not always taken.
Placing Security Freezes on your credit reports is a much more effective way to prevent credit fraud.
Security freezes can be implemented on your own or with the assistance of TrustedID Identity Theft Prevention Services, a competitor of IdentityTruth that offers similar services.
Experian Credit Report Access
IdentityTruth gives you constant access to your Experian credit reports, not just once a year, which means you can review your most current Experian credit report whenever necessary.
You can always Order Your Credit Reports from Experian, Equifax, and TransUnion, as you are legally entitled to a credit report from each credit bureau once every year.
Stop Pre-approved Credit Applications
IdentityTruth will remove your name from the certain email lists that credit bureaus sell to creditors, which will stop you from receiving pre-approved applications for credit in the mail.
Thieves can steal these applications from your mail to apply for credit in your name.
You can also Opt-Out of Pre-Approved Credit Offers Online for free.
Identity Theft Insurance
IdentityTruth provides a $2 million service guarantee if you become the victim of identity theft while you are their customer, including reimbursement for expenses related to identity recovery such as lost wages, with full insurance coverage through AIG Companies.
IdentityTruth Pricing and Free Trial
IdentityTruth costs $9.99 per month (3-month minimum), $99.99 for 1 year, or $229.99 for 3 years.
However, there is an absolutely free trial period for 7 days with no commitments, which will assess your current risk for identity theft and help you decide if you want to use the IdentityTruth services.
Join IdentityTruth now, and you’ll pay nothing for the first 7 days. You can cancel at any time within the first 7 days and not be charged, or you will be charged at the standard rate after the trial period expires.
IdentityTruth is a great option to help secure your identity and prevent credit fraud for a small monthly fee, or you can consider these other methods to Block Identity Theft for Free on your own.