Zendough Review

Zendough Company Information

Zendough is an identity theft protection product that is offered by one of the three credit reporting agencies, namely TransUnion (the other two being Experian and Equifax). Zendough, as a company, offers a philosophy as well as credit monitoring services and tools for money management. That philosophy revolves around assisting the subscriber to approach a better overall understanding of their financial standing. While TransUnion has its own credit monitoring service (known as TrueCredit), Zendough takes this a step further by offering a complete finance management package. Within this package, credit monitoring and credit protection are merely aspects of the whole.

Zendough makes an effort to play upon the concept that financial issues require a clear understanding that border on the spiritual. As such, Zendough presents itself as a peaceful location where this type of financial “spiritual mastery” can be attained.

Product Features

Featured Zendough Services

Zendough offers several features that are advertised to promote a financial journey of money mastery. The key to this is, according to Zendough, is a harmonious and clear way of financial data organization that will make achieving financial goals and milestones easier. The services offered by Zendough are divided into several sections, as follows:

• My Zendough – this is a snapshot overview of the subscriber’s credit. It also includes credit alerts, risk assessment of ID threats, debt to income ratio and other financial metrics that are designed to present a complete financial picture.

• My Credit – a set of planning and management tools which will include a credit health score known as VantageScore. This was developed by all three credit bureaus in order to analyze an array of financial factors that include; recent applications for credit, payment history and balances. The goal is to illustrate how much the subscriber is relying on their credit.

• My Accounts – this is an analysis of the subscriber’s debt which begins with an income-to-debt ratio. There is also a presentation of how the overall financial health is impacted by the subscriber’s financial allocations. Suggestions are made as to how to more effectively manage those allocations.

• My Path – this presents savings and financial planning strategies for individual life events that include; marriage, having children, getting out of debt and purchasing a home.

• My Identity – encompasses identity protection services. These will include an analysis of online records and any necessary ID recovery suggestions and assistance. The ID recovery assistance includes case managers that can help subscribers regain control of lost ID information. However, unlike other ID protection services that offer more, Zendough limits its ID theft expense reimbursement to $25,000. It also does not offer services found elsewhere, such as credit freezes, etc.

Zendough Security

Information confidentiality is vital to any company that is offering identity theft protection. Zendough maintains this level of security through the use of:

• An Identity Verification System that has been designed to protect privacy and security. This will ensure that only the subscriber can view personal credit reports. This is accomplished through the utilization of a series of questions that have been compiled from the subscriber’s credit report. Incorrect responses will prohibit credit report viewing. If a subscriber is experiencing difficulty with this feature, they can contact the Zendough Customer Service Representatives.

• Zendough also uses SSL Encryption (Secure Sockets Layer). This means that all of the subscriber information in Zendough files have been encoded and can only be deciphered by Zendough software.
Web Browser Requirements

Zendough will support 128-bit encryption and relies on browser compatibility that supports encryption for security purposes. The browsers that are recommended by Zendough are:

Microsoft Internet Explorer®
Version 6.0 or newer is recommended.
Firefox®
Version 3.0 or newer is recommended.
For AOL Users:
Internet Explorer or Firefox is recommended
Note: Some versions of AOL use IE 3.x as their web browser.

Pricing and Cancellation Policy

Zendough is offered on a free trial basis for seven days and then charges $14.95 a month. If a customer cancels during the free trial, they get to keep the three credit scores. There have been some reported issues with cancellations not being immediate or difficult to obtain.