See what identity theft protection options exist for your Chase account and find out what to do if you think your Chase account may have been compromised.
If you are looking for identity theft protection, you might have wondered if Chase even has such a service. The answer is yes and no. However, if you want a dedicated identity theft protection service that has a full suite of protection products and services, there are some things you should consider.
So let’s talk about Chase’s identity theft protection, what it is, what it does, and what it covers. Then we will talk about full suite identity theft protection alternatives to Chase’s identity theft protection option. This will help you make an informed decision about what you should do next.
Unfortunately, Chase doesn’t offer any type of premium identity theft protection services. However, they do offer the standard protection that any other financial institution or bank offers for your accounts and credit cards.
However, with that being said, Chase does provide, free of charge, a Chase Identity Theft Tool Kit. This kit provides instructions about the steps you should take if you are a victim of identity theft and contact information for all the credit bureaus and other agencies that need to be contacted to help get you started on the long road to identity theft recovery. This tool kit is great, but, properly handling an identity theft event is difficult and time-consuming; therefore, you might be better served going straight to a dedicated identity theft protection service, so they can either guide you through it or take over the entire identity theft recovery process for you.
Chase recommends you contact them immediately if you discover your identity has been stolen. They will then work with you to help correct all unauthorized transactions in your Chase accounts. They will also fix any inaccurate information they have already sent to the credit bureaus about you as a result of an identity theft incident in your name. And, going forward, they will continue to help protect you from future identity theft attempts and account fraud incidents, but they don’t specifically state how they do this. Therefore, you will have to contact them about your specific account to inquire how they help protect you going forward.
There are no disadvantages to using Chase identity theft protection in the manner it is provided. However, since Chase doesn’t offer a full suite of premium identity theft protection services, you are leaving yourself exposed and extremely vulnerable if you rely solely on Chase to protect you.
This is because they only protect your Chase account and are only there to correct any issues after an identity theft incident has already occurred. If you want to fully protect yourself against identity theft, you should consider using a dedicated identity theft protection service. One that offers a full suite of identity theft and fraud protection products and services. These types of services will help catch identity theft early on and help you avoid an identity theft incident to every extent possible.
Here are our top three alternatives to the basic Chase identity theft protection offered. These three identity theft protection services all offer a full suite of products and services that will monitor your identity and more.
Identity Guard is our #1 rated identity theft protection service for 2019 and is the one most visited by consumers on our identity theft protection reviews site. Probably because Identity Guard has the best overall coverage. They offer identity theft protection using IBM’s Watson artificial intelligence feature. Watson can monitor, process, and analyze billions of data points across the web and beyond for any given moment.
Identity Guard has three individual plans and three family plans that range from $8.99 per month to $34.99 per month. And, the family plans cover everyone in your household for one low monthly price versus having to pay a separate fee for each person, which can get expensive. Additionally, Identity Guard with Watson offers a bunch of services many other identity theft protection services don’t offer. So they are definitely worth checking out. If you’re interested, why not take a moment to read our full Identity Guard review here.
LifeLock has been around since 2005 and is one of the most recognized identity theft protection services in the country. They have millions of members and an award-winning identity theft restoration team. LifeLock offers a full suite of identity theft protection services using its proprietary technology. They also provide you with Norton Internet Security for up to five devices as well.
LifeLock has three identity theft protection service plans that range from $9.99 per month to $19.99 per month plus all applicable sales tax. They also offer LifeLock Junior which is an identity theft protection plan for your kids, which can be added on to any adult plan for just $5.99 per month or $65.99 annually. Additionally, LifeLock offers a 60-day money-back guarantee along with reimbursement for stolen funds, access to lawyers and identity theft experts, as well as personal expense compensation and a myriad of other exceptional services. If you’re interested, why not take a moment to read our full LifeLock review here.
IdentityForce is a family-owned company that has been in business for 40+ years and was recently purchased by EZShield. That means you will have two identity theft protection service powerhouses working with you to help restore your identity. IdentityForce offers a 14-day trial period so you can give them a try before you fully commit to their services. Additionally, IdentityForce offers an extensive lineup of identity and fraud monitoring options. For example, with IdentityForce you will have access to comprehensive monitoring that includes your social media, pc protection, dark web, address changes, court records, payday loans, and more depending on the plan you choose.
IdentityForce has two identity theft protection service plans that start at $17.99 per month. They also have a ChildWatch option you can add on to any adult plan for $2.75 per month per child. They also give you a discount if you pay for their services annually. If you’re interested, why not take a moment to read our full IdentityForce review here.
With a decade of experience as a journalist, Derek Prall has been covering cybersecurity for seven years. He has spent more than 1,000 hours researching digital privacy and has covered almost 100 topics related to VPN and identity theft protection. Previously, Derek has covered tech issues at American City & County magazine, where he won numerous national awards for his cybersecurity coverage. His areas of expertise included network security, big data analytics, and AI applications in public safety. Derek graduated with dual bachelor’s degrees in English and Communications from Furman University and now lives in Atlanta, Georgia, with his wife and two cats.