What I really like about using Equifax ID Patrol is that I can set personal alerts for any type of change I desire – a balance drop or increase, a new account set up, inquiries, or any other change to my credit report. The best part is that I get this information within 24 hours. I find it comforting that I’m not the only one looking out for the integrity of my credit file.
Yes, you can still a free credit report from www.annualcreditreport.com, but it’s limited to one report from each of the credit bureaus per year. A lot of damage can be done in a year. Trust me, a lot of damage can be done in a few days.
I suppose it’s impossible to be 100% safe from identity theft, but with my own fraud alert and Equifax ID Patrol, I personally feel that my identity, my credit report score, and my credit reputation are much more safe than without them.