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10-03-2017 06:32 PM
I have Allstate for my home and auto insurance. I got an email from them today about the breach from Equifax. Allstate wants to sell me identity theft protection at a cost of $40 for the year. You get up to $25,000 coverage for reimbursement. I think they are using a scare tactic, and $25,000 isn't even that much coverage. Also I thought that you don't have to pay any expenses on your credit card that were charged fraudulently?
10-03-2017 06:40 PM - edited 10-03-2017 06:46 PM
With the Equifax breach, your main worry is that someone is opening up credit or loans using your info. I decided to freeze our credit with four bureaus but then I don't plan to open new credit cards or buy a new car, etc.
10-03-2017 06:42 PM
Lots of these offers are being made because of the big security breach. I wouldn't take the bait.
10-03-2017 06:58 PM
I would take it. It is just an added protection and it is less than $1
a week. Why not ?
10-03-2017 07:03 PM
@tansy wrote:With the Equifax breach, your main worry is that someone is opening up credit or loans using your info. I decided to freeze our credit with four bureaus but then I don't plan to open new credit cards or buy a new car, etc.
Absolutely correct, @tansy. Our credit card companies always alert us to suspicious use of our card. Allstate is trying to make a buck from the breach.
We've had our credit on freeze for several years now. Yes, it can be a pain to open it when needed, but not really so bad. It's basically a phone call (or online), and it was free for us a couple weeks ago when we decided to open up an Amazon credit card. In the past, I think it was $10 for each credit bureau.
BTW, when there was a thread here about the Equifax situation, I learned about a couple more bureaus, so we are on freeze with them as well.
10-03-2017 07:04 PM
Costco has an identity guard that I've heard good things about. It's ten dollars a month and covers one million dollars. I believe they also handle all the problems that come with identity theft.
I don't know the details, but you might want to look into it to compare and contrast,
10-03-2017 07:14 PM
I would not pay for a service most people do not need. Please go to the credit bureaus, and freeze your accounts.
10-03-2017 07:23 PM
I pay online and I check my accounts every two days. And I have LIfeLock. I might add, my Chase and Citi cards are always out front and I have been saved in the past by their vigiliance.
1. Someone in the Virgin Islands buying a diamond ring
2. Someone trying to buy a mans suit in NYC
3. Someone getting a fast food meal in El Salvador
4. Someone trying to get a flight out of LaGuardia to New Orleans.
None of them ME and was caught immediately....
My card was protected and account changed. And do I rest no way. I still look and am personally on guard and I know my day is coming for someone to make a major breach but atleast I am being watchful.
10-03-2017 07:48 PM - edited 10-03-2017 07:50 PM
I've frozen my credit with the three big credit reporting agencies. I've googled but cannot find the names of the smaller one(s). Can you help? Thanks.
10-03-2017 07:56 PM
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