Identity Look Out Identity Protection Review

“It will never happen to you.” We’ve all heard the reassuring phrase from one peer or another, but at the end of the day an empty assurance will not stop the person at the grocery store who picked up the credit card you dropped (you know the one that you were sure you slipped into your purse, that you didn’t hear clatter to the floor because of the rustling shopping bags) from maxing it out, lowering your credit score by as many as 100 points, and landing you in a running month long battle to straighten things out with your creditor. And that is assuming your creditor has a policy that accounts for and does not hold you liable for fraudulent; many do not, and those that do have miles of paper work to go through simply to undo what amounts to identity theft.

The FTC estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft.
The crime takes many forms. Identity thieves may rent an apartment, obtain a credit card, or establish a telephone account in your name. You may not find out about the theft until you review your credit report or a credit card statement and notice charges you didn’t make—or until you’re contacted by a debt collector.

Identity theft can strike at many different levels and can afflict anyone. Something as innocent as miss sending a text message with sensitive information, or accidentally leaving your email account open on a public computer, or dropping a credit or debit card, or improperly disposing of aging bank statements, or even the mishandling of your sensitive documents by the staff at a public institution like a post office or library can lead to an opportunity for identity theft. In a nutshell, identity theft is someone gaining access to and using personal information that is not their own. It can be as large as applying for massive loans in another person’s name or as small as purchasing train tokens until the credit card is rejected. Either way the effects are terrifically damaging. You, the victim, will have few people to turn to for help, and will likely be treated as guilty of damaging your own reputation and credit through negligence until you can prove otherwise. What’s more is that not only will you have a difficult time clearing your name, but you will have to deal with knowledge that someone completely violated your most personal circles of privacy.

Don’t leave it up to chance. Don’t do what I did and wait for disaster to strike before you think about preparing yourself. I spent a weekend in New York City and dropped my wallet on the subway. With all of the noise and the crowds I did not notice until I stopped to get lunch and by then the train was dozens of miles away. In one fell swoop I lost my driver’s license, my social security card, two credit cards, and my train pass. By the time I got home and got to a phone my credit cards were both over their limits. It was weeks later that I started to get phone bills for a cell phone carrier I never used, for a phone number I didn’t know I had. With Identity Look Out, you are protected. You are alerted every time a bank or other company views your credit score before opening any accounts and you are alerted whenever major or out of state purchases are made. Don’t take my word for it. Identity Lookout is offering a 30 day free trial. Check it out for yourself.

-Sean Mormone