I want you to consider this for a moment.

You go to your local bank and share your details in order to open an account.

Everything seems to be all good and dandy, when a few days later, this flashes across your screen:

YOUR BANK’S RECORDS HAVE BEEN HACKED and the personal and financial information of thousands of users has been stolen!

And guess what? It doesn’t end there!

You check your account and your jaw hits the floor.

It seems that the hackers have cleaned out your hard-earned cash too!

I have a confession to make.

Lately, I’ve gone a bit OCD when it comes to online privacy and security. And there’s a good reason for that.

If you take a look at the recent past, there seems to be no end in sight for attacks and security breaches. 

In fact, it seems to be getting worse. Every now and then, some business seems to have its records hacked into.

So it’s about time that you and I took matters into our own hands and did something to give ourselves an extra layer of online security.   

In this article, I’ll thoroughly discuss identity theft and why you must be extra careful. I’ll also share my thoughts and experiences with a well-known identity protection service called Costco Complete ID – so you can make an informed decision and protect your data online.     

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Understanding identity theft

What is it?

The term identity theft started to gain mainstream attention about 60 years ago, and was officially recognized in the 1960s. Any instance where your sensitive personal or financial information is compromised is labeled as identity theft.      

And by the way, that’s just the beginning. You’ll be lucky if it ends there. You can face plenty of unpleasant repercussions and it may take a lot of time to get your data and money back.

First of all, it’s usually very difficult to ascertain the actual identity of the thieves or hackers. They’re smart and getting even smarter by the day.  

Here’s how identity theft can make your life difficult 

Identity theft is not something you should take lightly, because if you do, it’ll bring your life to a grinding and painful halt! It’ll hit you hard and from several possible angles. Here they are:    

  1. 1
    Your savings will be at the thief’s fingertips. They’ll use your credit cards the way they see fit.
  2. 2
    ID theft victims often find that fake accounts have been opened in their names.
  3. 3
    Once your security is compromised, your family also faces a much higher risk of identity theft. Your spouse and children all become potential (and easy) targets.
  4. 4
    It’s quite likely that you will lose your tax refunds once your digital security has been compromised.  

Why a robust identity protection service is absolutely indispensable   

Let me be brutally honest here. The typical “2-step verification” is not going to cut it anymore. What’s the word I’m looking for? Ah, yes! It’s cute, but it’s not secure

There are plenty of reasons it pays to invest in a decent identity protection service. Believe you me, the nominal monthly price you’ll pay for the service will pay for itself many times over. Here’s how it’ll make your digital life a lot more secure.   

  • Constant Monitoring: Your ID protection service will provide 24-7 monitoring of your sensitive personal and financial information, such as your credit files and bank accounts. 
  • Timely Alerts: Every additional second after a security breach has taken place can compound the damage many times over. A reliable identity protection service will help minimize the damage by providing timely alerts and measures in the case of a hack. 
  • Information and financial recovery: If you haven’t subscribed to an ID theft protection service and a thief swoops in, you’ll be left high and dry! Make no mistake about it. However, if you do have an ID protection service and something happens, you stand a much better chance of recovering a decent chunk of what was lost.  Depending on the plan you choose, you can be eligible for insurance coverage of up to $1 million. 

What to consider while choosing an identity protection service?

You don’t have to be a cyber-security expert, but keeping the following pointers in mind will help you choose a service that matches your needs.

  • Review several services: Do your research. Check out what the top 5 ID protection services have to offer in terms of coverage, plans, prices, and the extent of security before choosing the one you want.
  • Pay attention to reviews: Don’t fall for tall promises! Make sure to do some thorough digging in the provider’s review section. It’s the easiest way to find out if the service is any good.
  • Transparency is paramount: Service provides will often make vague claims. If you’re finding it hard to understand their offer, there’s a good chance that something’s not right.

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