Identity fraud is one of the fastest growing problem in America today. Every 4 seconds someone’s identity is stolen.There are now several credit fraud prevention services on the market to address this problem. Identity thieves will retrieve your mail or trash, looking for bank and credit card statements, pre-approved credit offers, and tax information. Identity thieves may steal personal information from your wallet or purse such as identification cards, credit cards, or bank cards. Fill out change-of-address forms to redirect your address. Acquire personal information you share on unsecured websites. Buy your personal information from an inside source such as a store employee who obtains your personal information from a credit application or by skimming your credit card information when you make a purchase. Someone at your place of employment may sell your personnel records. Considering how id thieves steal and use your personal information and how difficult it is to stop it, many organizations are turning to id theft prevention services to obtain better pro-active protection from Identity theft,  keeping your identities safe from identity thieves. These services will monitor and alert you of any fraudulent activity.

The question now becomes which id theft provider is right for you. How do you easily compare the features of each one? That’s where a site with a comparison chart becomes handy. In addition to services that are dedicated to identity theft protection, you might also want to consider a credit monitoring service to provide you another layer of protection that many id theft protection services don’t always provide. Many of these credit monitoring services offer a free trial where you’re able to obtain your  free credit report online.

There’s credit scoreservices where you can see your information from one credit bureau. Other services allow you to see your credit score from all three credit bureaus. Trans Union, Equifax, and Experian. This is important because the information contained in one credit bureau report may not match with what’s on the others. Also, many lenders may choose to view one or more of your free credit report and score. And most offers do not provide a free FICO score for free. You only get to see what’s on your regular credit reports. But a FICO score is not the same as your regular credit report or score. It uses different set of algorithms for coming up with your FICO score. Most lenders utilize the FICO report to judge your creditworthiness. Therefore it may be  most wiseto obtain your FICO report before asking for a mortgage loan. Another feature that these offers provide is identity theft monitoring. With some offers you only get the bare essentials while others provide comprehensive identity theft monitoring prevention. These are some of the reasons why it makes sense to make comparisons between the features of these  freecreditreport offers.