I have been a paying member of MyFICO's "Premier" service, which is supposed to offer services in the case of ID theft. I recently became a victim of ID theft and was glad that I have this service at first. I very quickly found out that it is a complete waste of money. It has been almost 2 weeks now and they have provided literally zero service to me. They say they provide 24/7 service but that is a complete lie. Half the time nobody answers. When they do answer they just tell me that I will receive a call back. They NEVER call you back. EVER. That's literally all they have done in almost 2 weeks..."a specialist will call you back". That's what I payed for....for someone to lie to me. I feel that MyFICO is as big of a scammer as the person who stole my identity. Highly recomend not purchasing their worthless services.