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Review Summary: In addition to identity theft services, Identity Guard provides some general internet security features like anti-keylogging.

Pros: Lots of monitoring and reports. $1,000,000 guarantee.

Cons: Some features require manual intervention on your part.

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Review Summary: Somewhat expensive compared to other similar services.

Pros: Small setup fee for Select level of service, which can be nice for customers with only a few errors to correct on their credit who won't retain the service more than a month or two.

Cons: Cost

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Review Summary: Ovation Law offers quality, basic credit repair services at competitive prices.

Pros: Inexpensive, 100% service satisfaction guarantee effective day 1, free credit consultation

Cons: Limited customer service hours..

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Review Summary: LifeLock provides "identity insurance", so to speak, for $9 a month. And it's backed by a $1,000,000 guarantee.

Pros: Solid reputation as one of the pioneers in identity theft protection. Reasonable monthly fee. $1,000,000 guarantee.

Cons: No public record monitoring.

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THE TRUTH ABOUT CREDIT SCORES


Many people reading this article think you have a pretty good idea of how credit scores work. But do you really? You would be surprised to learn that much of what you think helps or hurts your credit score will actually do the contrary or have no effect at all. There are so many rumors, lies, exaggerations and urban myths, when it comes to how exactly credit scores are calculated. You will be shocked to know that only 35% of your credit score is affected by your payment history. So what about the other 65%? What else besides payment history is affecting my credit score?
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