TRANSPARENCY
Disclaimers and Disclosures
How this site is funded, what we mean when we say something is informational, and how to flag something that’s wrong.
The short version.
MyScamGuide earns a commission when readers sign up for some of the services we cover. That commercial relationship does not influence which services we recommend or how we evaluate them. We recommend free alternatives where they’re the better answer, and we say so when a paid service isn’t the right fit. The full breakdown is below.
This is informational, not professional advice
The articles on MyScamGuide are written to help readers understand identity protection, scam prevention, and recovery from fraud. The site does not provide legal advice, financial advice, tax advice, or professional services of any kind. Specific situations require specific advice from someone qualified to give it.
If you are dealing with active fraud or identity theft, the resources we link to throughout the site (IdentityTheft.gov, the IRS, your state’s attorney general’s office, your financial institutions) are the right starting points. A consumer protection attorney, a tax professional, or a financial advisor can help with situations that are too specific or high-stakes to resolve from a general guide.
We try to keep our content current and accurate, but laws change, products change, and what was true when an article was published may not be true today. Every article shows a published date. When we make significant updates, we note the revision date. If you find something that’s out of date or wrong, please let us know through our contact page.
How the site is funded
MyScamGuide is funded primarily through affiliate relationships with some of the companies we cover. When a reader clicks an affiliate link on this site and signs up for a service, we may earn a commission. The commission comes from the company, not from the reader. The price you pay is the same whether you arrive through an affiliate link or directly through the company’s website.
Active affiliate relationships
- EverSafe, through the Sovrn affiliate network. EverSafe is referenced in articles where senior-focused identity protection is the right fit for the reader’s situation.
This list will grow as the site develops relationships with additional providers. When a new affiliate relationship goes live, we update this page.
How we approach this
We list services we believe genuinely help readers. We write about services we don’t earn a commission from when those services are the right answer. We recommend free alternatives, including credit freezes, the IRS Identity Protection PIN, and free annual credit reports, before we recommend paid services. In many situations the free options do the job. When a paid service has limitations worth knowing about, we say so, including for services we earn a commission from.
We do not accept payment from any service in exchange for favorable coverage, placement, or omission of criticism. If a service we cover approached us with that kind of arrangement, we would decline.
Editorial independence
Every recommendation on this site reflects what we believe is genuinely useful for the reader described. The voice and editorial perspective on the site come from someone who spent over twenty years building identity protection products from the inside. That background informs what we write. It does not exempt us from being honest about the limitations of products in this category, including products our author helped build.
A few specific commitments:
- We recommend free options when they are the better answer, even if a paid alternative pays a commission.
- We tell readers when a service is not the right fit for their situation, even when the service is one we earn from.
- We note product limitations and trade-offs honestly, not in fine print.
- We do not write content designed to manufacture urgency or fear in order to push a sale.
If our content ever feels like it is selling rather than informing, please tell us. That feedback matters and shapes how we edit.
Accuracy and corrections
Mistakes happen. When something on this site is wrong, we want to know.
If you spot a factual error, an outdated reference, a broken link, or a recommendation that no longer reflects what a service actually offers, please reach out through the contact page. We review correction notes and update articles when the change is warranted. Significant updates are noted with a revision date in the article.
We do not promise an immediate response. The site is run with limited time. We do promise that legitimate correction requests are read, considered, and acted on when warranted.
External links
We link to government resources (FTC, IRS, CFPB, SSA), to authoritative consumer organizations, and occasionally to news reporting from established outlets. A link from MyScamGuide is not an endorsement of everything on the linked site. External sites change, and we cannot guarantee that the page we linked to today will still say what we expected when you click through.
Updates to this page
This page may change as the site develops new affiliate relationships or as our editorial commitments evolve. The effective date below shows when this page was last updated.
Effective date: April 29, 2026
MyScamGuide is written by Tom Reardon, who spent over 20 years in product and operations at major identity protection providers. He writes to give consumers the honest picture the industry’s marketing never did.