Are you at risk for identity theft? As it turns out, a company called ID Analytics has created a website called MyIDScore.com where they perform a statistical analysis of your “basic identity elements” to assign you an ID Score. This score supposedly reflects your risk of falling victim to identity theft.
I actually first heard about this site last May when they first launched, but promptly forgot about it. More recently, a reader left a comment about it when I wrote about identity theft rates being on the rise. Intrigued, I decided to check it out.
For starters, I did a bit of background investigation to confirm that it’s not a scam. It’s not — in fact, a variety of consumer advocates, including Clark Howard, have sung the praises of MyIDScore. With that info in hand, I hopped on over to the site to check out my ID score.
After clicking the “Check My Score” link near the top, you’ll be asked for your name, address, phone number, and (optionally) your social security number. You’ll then be asked some questions drawn from your credit report to confirm your identity. From there, you’ll get your score.
The possible scores range from 1-999, with higher scores indicating a higher risk of identity theft. As you can see from the image below, mine is 284, which is considered to be low.
There is a low likelihood that information pertaining to you has or will soon be used to commit fraud and your good name is probably not in danger. Although you currently show no signs of being a victim of identity fraud, no system can detect 100% of possible fraudulent activity. It is important to remain vigilant about protecting and safeguarding your personal information.
They then go on to some precautionary measures that you might want to take, including checking your credit report at annualcreditreport.com (the only truly free credit report) and reviewing info from the following public service websites:
- Identity Theft Resource Center
- The California Privacy Office
- FTC Identity Theft Site
- Identity Theft Assistance Center
- Privacy Rights Clearinghouse
At the very end, they also make a pitch for a handful of commercial services that make use of ID Analytics products, but it’s not over the top, and it’s easy enough to just ignore this info if you’re not interested.