Several years ago, the identity of my brother was stolen. In less than five days, his bank account was hit with four $300 charges and the bank didn’t help much beyond cancelling those items from his balance. This go around wasn’t too bad, as the bank did side with him eventually, canned those fraudulent charges and gave him new account numbers.

The scary thing is that, even months later, there was still someone out there claiming to be my brother, and they even had his financial and personal information — enough to get into serious trouble.

My brother reached out and handled his problems himself, despite the fact that his credit still gets hammered by fake charges once in a while. No question, my brother was lucky.

Losing your identity is one of the scariest things about being an interconnected, Internet based society. It’s awful to lose piles of money and end up spending hours of frustrating phone calls trying to halt payment on inane purchases you never even bought. Businesses have stepped up to help protect the frightened people, and they are taking advantage of the fear to score serious cash. For a fee, you too can join in on the madness.

No Tracking

Businesses offering protection against identity theft do not allow consumers to look at how effective their services are or whether they even help in the slightest.

Most companies center their efforts around checking your credit score regularly so no charges can slip past you without you being aware of its presence. There’s nothing complicated about reading your credit report — you could do it too, for much cheaper, I might add. So, not counting this, what exactly do these businesses do?

There is no good answer to this question, which bothers every consumer who dares to pay these businesses money for theoretical security. Since there are no methods to tracking their actions, you have to accept everything they tell you as fact. The only way to measure their success is to consider if your identity has been stolen since you began working with them. If not, then it stands to reason that the new security must have paid off, right?

No. There are no guarantees.

What Features?

The price of protection against identity theft can vary greatly with the number of features each program claims to offer. Not one company out there right now discloses exactly what features and services they provide in an explicit manner, which ones are premium and what comes in the package. Almost everything these companies will do for you, you can do for yourself.

Protection against identity theft is crucial to maintaining your financial security, but throwing money at strangers to read your credit report just doesn’t make sense in the long run.

Amongst the many growing concerns in our security is preventing identity fraud, so take serious measures to accomplish it. Try researching ways to browse safely, even when accessing important info, and check to see if there are trustworthy advise you can obtain. Look to trusted websites to give you real answers to your protection against identity theft questions.

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