If you’re looking for a free and reliable way to protect your identity online, you might have heard of MyTrueIdentity, a service offered by TransUnion, one of the major credit bureaus in the US and Canada. But is MyTrueIdentity legit, or is it too good to be true? In this honest review, I’ll tell you everything you need to know about MyTrueIdentity, including its features, benefits, drawbacks, and alternatives. Let’s get started!
What is MyTrueIdentity?
MyTrueIdentity is a credit monitoring and identity protection service that helps you keep track of your credit report, alerts you of any suspicious activity, and provides you with tools to prevent and recover from identity theft. It’s completely free to use, and you don’t need a credit card to sign up. All you need is an email address and some basic personal information.
What does MyTrueIdentity offer?
MyTrueIdentity offers the following features and benefits:
- Credit monitoring: You can access your TransUnion credit report and score as often as you want, and get notified of any changes or inquiries on your report. This can help you spot any errors or signs of fraud, and improve your credit health.
- Identity protection tools: You can use features like address monitoring, dark web scans, and social security number alerts to detect potential identity theft early. You can also lock and unlock your TransUnion credit report with a click or a swipe, preventing unauthorized access to your credit information.
- Identity theft insurance: You can get up to $1 million in identity theft insurance, which covers legal fees, lost wages, and other expenses related to identity theft. You can also get access to dedicated specialists who can help you restore your identity and credit in case of a breach.
- User-friendly interface: You can easily manage your account and settings through the MyTrueIdentity website or mobile app, which have a simple and intuitive design. You can also contact customer support via phone, email, or chat.
What are the drawbacks of MyTrueIdentity?
MyTrueIdentity is not perfect, and it has some limitations and drawbacks that you should be aware of:
- Limited scope: MyTrueIdentity only monitors your TransUnion credit report, not the other two major credit bureaus (Equifax and Experian). This means that you might miss some important information or activity on your credit profile, and you might have different credit scores from different sources.
- No credit improvement tools: MyTrueIdentity does not offer any tools or advice to help you improve your credit score, such as credit simulators, debt calculators, or personalized recommendations. You’ll have to rely on your own research and actions to boost your credit health.
- No extra features: MyTrueIdentity does not offer any extra features or perks that some other identity protection services do, such as family plans, lost wallet assistance, credit card monitoring, or social media monitoring. You’ll have to pay for these services separately if you want them.
How does MyTrueIdentity compare to other identity protection services?
MyTrueIdentity is not the only identity protection service out there, and you might be wondering how it stacks up against the competition. Here’s a quick comparison table of some of the most popular identity protection services and their features and prices:
|TransUnion credit monitoring, identity protection tools, identity theft insurance, user-friendly interface
|Credit monitoring from all three bureaus, identity protection tools, identity theft insurance, credit improvement tools, family plans, social media monitoring
|$9.99/month for UltraSecure, $19.99/month for UltraSecure+Credit
|Credit monitoring from one or more bureaus, identity protection tools, identity theft insurance, credit improvement tools, family plans, lost wallet assistance, credit card monitoring
|$9.99/month for Standard, $19.99/month for Advantage, $29.99/month for Ultimate Plus
|TransUnion and Equifax credit monitoring, credit improvement tools, user-friendly interface
As you can see, MyTrueIdentity is the cheapest option, but it also offers the least features. If you want more comprehensive and advanced protection, you might want to consider paying for a premium service like IdentityForce or LifeLock. However, if you’re on a tight budget and just want a basic level of protection, MyTrueIdentity might be enough for you.
Here are some frequently asked questions about MyTrueIdentity and their answers:
Is MyTrueIdentity safe?
- Yes, MyTrueIdentity is safe and secure. It uses encryption, firewalls, and other security measures to protect your personal and financial information. It also complies with the Fair Credit Reporting Act (FCRA) and other laws and regulations that govern credit reporting and identity protection.
How do I sign up for MyTrueIdentity?
- You can sign up for MyTrueIdentity online or through the mobile app. You’ll need to provide your name, address, date of birth, social security number, and email address. You’ll also need to create a username and password, and answer some security questions. You’ll then be able to access your account and settings.
How do I cancel MyTrueIdentity?
- You can cancel MyTrueIdentity at any time, without any fees or penalties. You can do so online, through the mobile app, or by contacting customer support. You’ll lose access to your account and features, and you’ll stop receiving alerts and notifications.
MyTrueIdentity is a legit and free identity protection service that offers credit monitoring, identity protection tools, and identity theft insurance. It’s a good option for anyone who wants a basic level of protection and doesn’t mind the limited scope and features. However, if you want more comprehensive and advanced protection, you might want to consider paying for a premium service like IdentityForce or LifeLock. Ultimately, the choice depends on your needs, preferences, and budget.
I hope you enjoyed this informative blog post. If you did, please share it with your friends and leave a comment below. And don’t forget to subscribe to my blog for more awesome content like this. Thanks for reading! ?