We live in a world where people lie, cheat, and steal. Everyday someone is getting there identity stolen or people are getting their credit trashed. We all know that having your identity stolen suck, or the pain and frustration of having to call the bank and explain to them that you did not authorize a transaction? Have you done this recently; I know I have numerous times. Have you been curious lately about the difference between credit monitoring and identity theft protection? This article is for you so please pay close attention.
Firstly, a lot of people think that credit monitoring and identity theft protection are the same thing, but really they are quite different. True they will both help keep your personal information out of the wrong hands, but there are two completely different animals. The biggest difference between these two is that one actually offers a complete protection of you personal information while the other one just monitors it.
So What Is Credit Monitoring?
Credit monitoring is exactly what it states. It monitors your credit report to make sure there are no strange transactions or odd behavior on your credit report. This service is offered by the three major credit bureaus. Don't get me wrong there are a handful of companies that are offering this service, too. This simply works by paying a monthly or year fee and then their service will contact you within 1-2 days if there is any fraudulent behavior on your credit report.
Credit monitoring basically is just a service that watches over your credit report.
So Identity Theft Protection Is?
Basically, this monitors your personal information so that thieves can not gain access to it. In retrospect, this stops crime before it takes place. A cheat can not start a credit card in your name and run up the tab. Another example is that a thieve can not rent an apartment under your name, causing you hell later on down the road. This will also remove your name from pre-approved credit mailings which is a haven for thieves because they can easily get access to your personal information that way.
Another thing that identity theft protection usually offers is a free credit report once a year, which allows you to monitor your credit. As you can see there is a huge difference between the two. True they both do make your life a whole lot easier, but they are clearly not the same.
Author Resource:
Interested in credit monitoring, read our Equifax Review . Interested in Theft Protection, read our TrustedID Review .Distributed by http://www.ContentCrooner.com
![[Valid RSS feed]](http://www.look4articles.com/images/icon_Rss.png "XML Feed For RSS"){kind=icon}
Category Rss Feed
Print This Article
Add To Favorites
![[Valid RSS feed]](http://www.look4articles.com/images/rss.jpg "XML Feed For RSS")