Mint Credit Monitor is a credit and identity monitoring service that’s designed to help you secure your credit and keep a close eye on your credit report. Mint offers this service through the IDEssentials program. A Data Breach Defense program is also available to help protect corporations, government agencies and organizations.
How the Program Works
IDEssentials is a comprehensive program that monitors your credit and assesses your risk of identity theft.
Here’s how the program works:
– Select a plan and set up your identity protection and credit monitoring features.
– Activate your account.
– Log into your account to view your identity theft risk, credit score and other information.
Once your IDEssentials protection is activated, you will enjoy ongoing monitoring of your credit report and your identity.
Through your IDEssentials account, you can view your credit information and even receive alerts if any potential threats arise or your credit report changes. What Mint’s credit monitoring service offers is peace of mind. With identity thefts on the rise, peace of mind isn’t easy to come by.
What makes IDEssentials so impressive is its extensive list of features – all designed to protect your identity and keep your credit secure. Here’s what your IDEssentials protection includes:
The identity monitoring service offered by Mint goes beyond the basics. IDEssentials will:
- Find out which pieces or combinations of personal information is online.
- How often this information is found.
- Where your personal information is found online.
Using this information, IDEssentials can determine how easy it would be for identity thieves to piece together your information and use it to their advantage.
Identity Threat Score
Identity Theft Score is only offered through TrustedID, and Mint Credit Monitor provides you with TrustedID protection. Your score is a reflection of your risk of identity theft (low, moderate or high), and is determined by how much of your personal information is available online, the type of information that’s available and the source of the information.
3-Bureau Credit Scores
Gain access to your credit scores from all three bureaus: Equifax, TransUnion and Experian. These three scores will give you a more accurate picture of your credit by offering you all three scores, which may be different for all three bureaus.
3-Bureau Credit Report
Through your IDEsssentials protection, you’ll also receive access to your credit reports with all three bureaus. This will help you pinpoint any errors or potential fraudulent activity on your report and easily dispute credit report errors.
3-Bureau Credit Monitoring
IDEssentials offers comprehensive protection by monitoring daily activity on your credit report from all three bureaus. You’ll also receive alerts should any significant changes be made. Monitoring all three credit reports will give you an accurate picture of your true credit history.
Black Market Scanning
IDEssentials regularly monitors the black market internet where thieves sell and purchase personal information. If IDEssentials discovers that your personal information has been compromised, they will alert you immediately. This can help stop identity thieves in their tracks before they have a chance to wreak havoc on your credit.
If you’re concerned that someone may have stolen your identity, fraud alerts can help prevent thieves from using your information to open new credit accounts.
Less Junk Mail
Mint Credit Monitor will help remove your name from the marketing databases that most creditors and marketers use. As a result, you get less junk mail and pre-approved credit card offers. Once you sign up for an account, you should start seeing a reduction in junk mail within the first 30 days.
Access to Protection Specialists
Once your account is active, you’ll have access to Protection Specialists who offer help and support.
Facebook Privacy Monitor
With millions of people using Facebook every day, your personal information may be at risk if the right privacy settings are not in place. Mint Credit Monitor will check your Facebook privacy settings and profile continuously to determine whether or not your personal information is at risk.
Benefits of the Mint Credit Monitoring Program
If you’re looking to secure your credit and your identity, the Mint Credit Monitoring service is the right choice for you. As a member, you will receive the following benefits:
- Alerts when significant changes are made to your credit report, which allows you to react quickly to potential fraudulent activity.
- A complete picture of your credit with access to your credit reports and scores from all three bureaus.
- Peace of mind in knowing your identity is safe with Mint’s identity theft monitoring and score.
The great news is that you can receive all of these benefits for just $16.99 per month. That’s a small price to pay for peace of mind and protecting your credit. If you do wind up becoming a victim of identity theft, Mint Credit Monitor offers a $1 million limited warranty to cover out-of-pocket expenses associated with identity theft. Try Mint Credit Monitor today and start protecting your credit.