At the point these services take any sort of action someone has already assumed your identity and is working to take out lines of credit in your name. They have just identified a theft that has already occurred and are working to mitigate that risk. Any credit monitoring service will notify you of inquiries or changes to your credit reports, their service(s) notify them so they can notify you.

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Does LifeLock promise more than it can deliver with respect to its identity theft protection service and its $1 million guarantee? This article gives you the answers and also provides alternatives to LifeLock and similar companies.

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Yet another reason not to have credit facilities with stores.

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