ID Experts Home

All Posts related to: Credit Cards

Latest Scams
How to Choose Between Credit Freezes and Credit Locks
March 23, 2018

​Since the Equifax data breach last fall, Americans have become more familiar with credit freezes and fraud alerts than they ever wanted to be. Now, to add to the confusion, the three major credit bureaus are pushing yet another credit report security mechanism: credit locks. Like a credit…

​Since the Equifax data breach last fall, Americans have become more familiar with credit freezes and fraud alerts than they ever wanted to be. Now, to add to the confusion, the three major credit bureaus are pushing yet another credit report security mechanism: credit locks. Like a credit…

Learn More
Ask an Expert
Protecting Your Identity in a Divorce
February 26, 2018

​Most of us know some who’s gone through an ugly separation or nasty divorce, so you may have heard about a form of familiar fraud called “revenge spending.” It’s not uncommon during a breakup for one partner to go on a spending spree, leaving the other partner with the bills. Celebrity…

​Most of us know some who’s gone through an ugly separation or nasty divorce, so you may have heard about a form of familiar fraud called “revenge spending.” It’s not uncommon during a breakup for one partner to go on a spending spree, leaving the other partner with the bills. Celebrity…

Learn More
Did You Know?
5 Reasons Why Free Credit Monitoring Isn’t Enough
February 16, 2018

​After the Equifax breach, the news media (and our MyIDCare blogs) were full of advice to protect yourself from ID theft, including checking your free annual reports from the three major credit bureaus. So, you might wonder, “If I can monitor my own credit reports, why should I consider an…

​After the Equifax breach, the news media (and our MyIDCare blogs) were full of advice to protect yourself from ID theft, including checking your free annual reports from the three major credit bureaus. So, you might wonder, “If I can monitor my own credit reports, why should I consider an…

Learn More
Helpful Tips
Preventing Student Loan Fraud
February 12, 2018

​In today’s economy, a college degree can be a ticket to a better financial future. Over 70% of college students rely on financial aid, but some find their financial futures already in trouble when they are refused a student loan because of identity theft. Here’s what you need to know to…

​In today’s economy, a college degree can be a ticket to a better financial future. Over 70% of college students rely on financial aid, but some find their financial futures already in trouble when they are refused a student loan because of identity theft. Here’s what you need to know to…

Learn More
Ask an Expert
ID Intensive: Pain Relief for Identity Theft
January 19, 2018

Taylor* is a MyIDCare member in California. He says he “didn’t think too much about it” when he received a letter from a healthcare provider saying his personal information had been part of a data breach. But the letter offered MyIDCare coverage, including email alerts if his credit reports…

Taylor* is a MyIDCare member in California. He says he “didn’t think too much about it” when he received a letter from a healthcare provider saying his personal information had been part of a data breach. But the letter offered MyIDCare coverage, including email alerts if his credit reports…

Learn More
Ask an Expert
ID Intensive: Recovering an Identity and Precious Time
January 12, 2018

​Alan* is a MyIDCare member in southern California. A few times in the past, he’d gotten letters saying his personal information might have been exposed in a data breach, but this time it was the real thing. A credit card showed up in the mail that he hadn’t applied for. When he called the…

​Alan* is a MyIDCare member in southern California. A few times in the past, he’d gotten letters saying his personal information might have been exposed in a data breach, but this time it was the real thing. A credit card showed up in the mail that he hadn’t applied for. When he called the…

Learn More
Ask an Expert
ID Intensive: Presumed Guilty, Proven Innocent
January 05, 2018

​Nicole* is a MyIDCare member in Oregon. Identity theft halfway across the country put her own living situation in jeopardy. When she found her way to MyIDCare, she finally found someone who was on her side. This is her story. “I first realized something was wrong when I started getting…

​Nicole* is a MyIDCare member in Oregon. Identity theft halfway across the country put her own living situation in jeopardy. When she found her way to MyIDCare, she finally found someone who was on her side. This is her story. “I first realized something was wrong when I started getting…

Learn More
Did You Know?
What’s in a Name? When to Worry About Identity Theft
December 18, 2017

Sadly, identity theft has become a fact of daily life. Every time we turn on the news, we hear about breached companies, “compromised” records, and stolen personal information. But what does that all mean? What is identity theft and how do you know if, or when, it’s happening to you? ​ If…

Sadly, identity theft has become a fact of daily life. Every time we turn on the news, we hear about breached companies, “compromised” records, and stolen personal information. But what does that all mean? What is identity theft and how do you know if, or when, it’s happening to you? ​ If…

Learn More
In the News
Getting Past Data Breach Apathy
November 06, 2017

After its massive data breach exposed the personal information of almost half of the American population, Equifax offered free credit freezes to anyone who wanted to sign up. Credit freezes normally cost money and they are powerful protection against some forms of financial fraud, so you’d think…

After its massive data breach exposed the personal information of almost half of the American population, Equifax offered free credit freezes to anyone who wanted to sign up. Credit freezes normally cost money and they are powerful protection against some forms of financial fraud, so you’d think…

Learn More
Helpful Tips
Equifax Breach Survival Tips for Seniors
November 03, 2017

​The recent Equifax breach has put millions of people at risk for identity theft. This includes the risk of losing government medical and retirement benefits, or even your life savings. The retired seniors and disabled who depend on those benefits face the most immediate risk, but anyone dreams…

​The recent Equifax breach has put millions of people at risk for identity theft. This includes the risk of losing government medical and retirement benefits, or even your life savings. The retired seniors and disabled who depend on those benefits face the most immediate risk, but anyone dreams…

Learn More
Helpful Tips
 Fighting Off Your Undead Credit Cards
October 30, 2017

​With data breaches in the news almost every week, you may be feeling like your personal information isn’t safe anywhere. It’s true that the more places your information exists, the greater your risk of identity theft, which is why we recommend getting rid of information “zombies” such as…

​With data breaches in the news almost every week, you may be feeling like your personal information isn’t safe anywhere. It’s true that the more places your information exists, the greater your risk of identity theft, which is why we recommend getting rid of information “zombies” such as…

Learn More
Ask an Expert
The 4% Solution: Credit Freezes Offer Incomplete Protection Against Identity Theft
October 15, 2017

Since the Equifax data breach exposed the personal information of over 145 million Americans (plus a few thousand Canadians and Brits), people who had never heard of a credit freeze before have taken this step to protect their identities. The good news is that a credit freeze can protect you not…

Since the Equifax data breach exposed the personal information of over 145 million Americans (plus a few thousand Canadians and Brits), people who had never heard of a credit freeze before have taken this step to protect their identities. The good news is that a credit freeze can protect you not…

Learn More
Did You Know?
Credit Freeze vs. Fraud Alert: What Should You Do?
September 28, 2017

If you’ve followed the news since the Equifax data breach, you’ve heard loads of advice on how to protect yourself from identity theft: credit freezes, fraud alerts, and even talk of changing your Social Security number. So, which is better: credit freezes or fraud alerts? We’ve done the…

If you’ve followed the news since the Equifax data breach, you’ve heard loads of advice on how to protect yourself from identity theft: credit freezes, fraud alerts, and even talk of changing your Social Security number. So, which is better: credit freezes or fraud alerts? We’ve done the…

Learn More
Latest Scams
Scams for free services
September 10, 2017

The internet has created business opportunities for many people, from selling collectibles on eBay to blogging for fun and profit. However, some enterprising scammers are making money charging people for information that’s available to anyone – for free. Here are some common scams and tips for…

The internet has created business opportunities for many people, from selling collectibles on eBay to blogging for fun and profit. However, some enterprising scammers are making money charging people for information that’s available to anyone – for free. Here are some common scams and tips for…

Learn More
Ask an Expert
Is Credit Card Protection Enough Identity Protection?
July 16, 2017

If you’ve ever had a credit card number stolen, you know that credit card companies will promptly and politely cancel your card along with any fraudulent charges. The process is pretty simple. All you have to do is report the bogus charges, and they’ll fix it. There’s just the slight…

If you’ve ever had a credit card number stolen, you know that credit card companies will promptly and politely cancel your card along with any fraudulent charges. The process is pretty simple. All you have to do is report the bogus charges, and they’ll fix it. There’s just the slight…

Learn More
Ask an Expert
Identity Theft Protection: The Importance of Recovery Services
July 13, 2017

In a recent article, we talked about identity protection plans and the difference between identity monitoring and identity recovery services. In a nutshell, by the time monitoring shows a problem with your identity, the damage has been done, and that’s when having top tier recovery services can…

In a recent article, we talked about identity protection plans and the difference between identity monitoring and identity recovery services. In a nutshell, by the time monitoring shows a problem with your identity, the damage has been done, and that’s when having top tier recovery services can…

Learn More
Did You Know?
RFID Skimming: is the danger real?
July 09, 2017

You probably know that the embedded computer chips now found in most credit and debit cards are meant to protect you from financial fraud. And you also may have heard that thieves could now steal your card number just by walking near you, or you may have seen ads for products to prevent this kind…

You probably know that the embedded computer chips now found in most credit and debit cards are meant to protect you from financial fraud. And you also may have heard that thieves could now steal your card number just by walking near you, or you may have seen ads for products to prevent this kind…

Learn More
Ask an Expert
5 Tips for College Students to Prevent Fraud and Scams
June 15, 2017

Starting college usually involves a lot of requirements—all those 101 classes in math and science and literature. But one of the things that colleges won’t teach is the financial literacy that your student needs to be safe and successful in adult life. For many kids, heading off to college…

Starting college usually involves a lot of requirements—all those 101 classes in math and science and literature. But one of the things that colleges won’t teach is the financial literacy that your student needs to be safe and successful in adult life. For many kids, heading off to college…

Learn More
Latest Scams
What Is Card Skimming?
April 09, 2017

Credit and debit cards are so convenient, and many of them offer perks like cash back or merchandise credit, so it can be tempting to use them everywhere. Unfortunately, thieves also love to cash in on your card numbers, and they can often steal them in plain sight, sometimes without the card even…

Credit and debit cards are so convenient, and many of them offer perks like cash back or merchandise credit, so it can be tempting to use them everywhere. Unfortunately, thieves also love to cash in on your card numbers, and they can often steal them in plain sight, sometimes without the card even…

Learn More
In the News
Watch for Credit Card Scams at Checkout
February 19, 2017

You’ve probably heard of the 2013 uber-breach at Target in which criminals gained access to about 40 million customer credit cards. That’s just the best known of numerous data breaches that “target” point-of-sale, or POS, systems. Criminals can steal physical credit cards or hack into…

You’ve probably heard of the 2013 uber-breach at Target in which criminals gained access to about 40 million customer credit cards. That’s just the best known of numerous data breaches that “target” point-of-sale, or POS, systems. Criminals can steal physical credit cards or hack into…

Learn More
Helpful Tips
Does Prescreening Hurt Your Credit Score?
February 16, 2017

If you’re like many Americans, your mailbox is filled with daily, weekly, or certainly monthly offers from credit card companies, insurance companies, and other vendors that have prescreened you by assessing your credit score—and decided to make you an offer. The question often arises: Do…

If you’re like many Americans, your mailbox is filled with daily, weekly, or certainly monthly offers from credit card companies, insurance companies, and other vendors that have prescreened you by assessing your credit score—and decided to make you an offer. The question often arises: Do…

Learn More
Ask an Expert
Identity Catch-22: Children and Credit Reports
November 24, 2016

There are so many rites of passage into adult life: learning to drive, graduating from high school, maybe college, your first job. Then there are the financial rites of passage: setting up your own bank account, renting an apartment, your first credit card. Sadly, identity theft can rob your child…

There are so many rites of passage into adult life: learning to drive, graduating from high school, maybe college, your first job. Then there are the financial rites of passage: setting up your own bank account, renting an apartment, your first credit card. Sadly, identity theft can rob your child…

Learn More
Ask an Expert
Credit Fraud and Identity Theft: What’s the Difference?
October 27, 2016

Identity theft is like ice cream in that it comes in a variety of flavors—but you’re not likely to enjoy a single one of them. People often think credit fraud and identity theft are the same thing, but in fact credit fraud is just one of the many unpleasant “flavors” of identity theft.…

Identity theft is like ice cream in that it comes in a variety of flavors—but you’re not likely to enjoy a single one of them. People often think credit fraud and identity theft are the same thing, but in fact credit fraud is just one of the many unpleasant “flavors” of identity theft.…

Learn More
Latest Scams
Skimming for Dollars
August 07, 2016

Shopaholics, beware! Shopping is fun, but if your ID is stolen, you can end up buying more than you bargained for. Retail stores are prime locations for identity thieves looking to steal personal information contained on your credit cards. And the card never even needs to leave your hand! In May…

Shopaholics, beware! Shopping is fun, but if your ID is stolen, you can end up buying more than you bargained for. Retail stores are prime locations for identity thieves looking to steal personal information contained on your credit cards. And the card never even needs to leave your hand! In May…

Learn More
Ask an Expert
Fiscal Irresponsibility
August 04, 2016

You’re spending a quiet Saturday at home when you get a call from your credit card company. Have you been buying computer equipment and liquor in Las Vegas? Or have you been on a shopping spree at Chanel and dining out in Paris, France? Well, wouldn’t that be nice – if it had been you.…

You’re spending a quiet Saturday at home when you get a call from your credit card company. Have you been buying computer equipment and liquor in Las Vegas? Or have you been on a shopping spree at Chanel and dining out in Paris, France? Well, wouldn’t that be nice – if it had been you.…

Learn More
Latest Scams
New Apple Scam: Don’t Bite!
June 26, 2016

If you’re an iPhone user, watch out for the latest identity theft scam. Some iPhone users are getting email messages that pretend to be from Apple, Inc. and claim that their Apple user ID password is about to expire. A link in the email sends them to a supposedly Apple-owned web site that asks…

If you’re an iPhone user, watch out for the latest identity theft scam. Some iPhone users are getting email messages that pretend to be from Apple, Inc. and claim that their Apple user ID password is about to expire. A link in the email sends them to a supposedly Apple-owned web site that asks…

Learn More