Identity Theft Protection Services
It's no secret: Identity Theft is a major problem in America. Think you're not at risk? Unfortunately, you are.
Do you hand your credit card to servers at restaurants?
Do you sign your credit cards?
Do you supply personal information over the Internet?
Do you keep your Social Security number in your wallet or purse?
Do you leave mail at your home or business for the postal carrier to collect?
Do you shred unwanted mail with personal information?
What if you discovered that your identity had been stolen?
Call your financial institution and/or credit card company
Contact the three major credit repositories
Go through the helpful but extensive steps recommended by the Federal Trade Commission in its 30-page consumer support publication
Fill out and submit the affidavit form supplied by the FTC to dispute new, unauthorized accounts
Spend on average $1,200 in out-of-pocket expenses in your efforts to resolve the many problems caused by identity thieves
Identity theft can happen anywhere to anyone. In line at the store, online at home or when you're buying your morning coffee. If your identity is stolen, you can spend hundreds of hours cleaning up your credit and struggling to get back your good name. That's because stolen identities are used up to 30 times, with most victims only discovering the theft after they've been turned down for a loan or contacted by a collection agency. You may already be a victim, many times over, and not even know it. But not with LifeLock.
LifeLock, the industry leader in proactive identity theft protection, offers a proven solution that prevents your identity from being stolen before it happens. Our service is guaranteed up to $1,000,000. We also offer identity theft protection for children, so guarantee your good name today and enroll now.
What does the Identity Theft ShieldSM Cover?
Credit Reports
Evaluate your current credit standing with:
An up-to-date credit report through Experian at no added cost
A personal credit score calculated by an independent scoring service
A detailed analysis of your personal credit score
Experts recommend that you review your credit report regularly. The Identity Theft ShieldSM makes it easy.
Continuous Credit Monitoring
Suspicious activation will be brought to your attention, providing you with early detection. You'll receive prompt notice if the credit repository is notified by Experian that:
New accounts have been opened in your name
Derogatory notations have been added to your credit report
Public records have been added to your report
Inquiries have been made against your report
A change of address has been requested
Identity Restoration
Identity theft can be devastating, and the process of restoring your name can be overwhelming and costly. You need more than "do it yourself" information if it happens to you. With Identity Theft ShieldSM a trained expert will take the steps to restore your name and credit for you!
Help reduce your out of pocket expenses and time spent away from work with valuable services from detection to resolution.
Fraud alert notifications will be sent on your behalf and applicable follow up will be done with affected agencies and institutions, including: credit card companies, financial institutions, all three credit repositories, Social Security Administration, Federal Trade Commission, Department of Motor Vehicles, law enforcement personnel, and the U.S. Postal Service.
Proactive searches of applicable local and national databases will be made on your behalf to look for information you may not be aware of, including: criminal activity in your name in your county's records and certain federal watch lists, Department of Motor Vehicle records in your state, unknown addresses affiliated with your name, and banking activity in your name reported as fraudulent.
Identity Restoration will not apply if the identity theft is the result of a dishonest, criminal, malicious, or fraudulent act you, your spouse, or your child participated in, directed, or had knowledge of. Restoration services will not be provided for a known stolen identity event that occurred prior to enrollment date. You must be an active member to receive restoration services. Services provided do not cover financial losses arising from the identity theft. A signed limited power of attorney must be provided to Kroll when an Identity Theft Restoration case is opened in order for Kroll to work on your behalf and/or provide the Proactive Database Searches listed. A stolen identity event does not include the theft or unauthorized or illegal use of your business name, d/b/a, or any other method of identifying your business activity.
