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FraudStop 360 Program
The most
comprehensive program available.
Prevention:
Leading-edge
technologies help prevent identity thieves from stealing your
identity or that of any member of your family. You probably don't
even realize that your children are particularly vulnerable. We
provide you with personal advice on things that you can do in your
daily life to reduce your chances of ID theft.
Watching for signs of theft.
We
constantly search databases (over 1,500 of them) to detect suspicious activity in
your financial life - credit, loans and the like - as well as
others areas where your identity is vulnerable, such as public
records and consumer accounts. It is in this way that FraudStop
is vigilant in watching out for your identity.
What we look for.
Our systems check
each of these databases looking for activity that we have
determined can lead to identity theft. We look for changes and
activities in your existing accounts and we look for new
accounts and transactions in your name. By doing this, we can
detect someone's attempt to steal your identity before it gets
too far and often before any damage has been done.
How we protect your whole
identity.
We do look
for indicators of financial fraud that can be detected in your
credit records. But we go much farther than this. We also search
public records which can identify someone using your name to
gain employment or rent an apartment. We also monitor other data
sources that can find consumer accounts in your name such as
utilities, cell phones, and the like.
Recovery:
If you fall victim to identity theft, you will be paired with
your own personal recovery advocate from our team of professionals.
He or she will work with you throughout the process, answering your
questions, contacting creditors and agencies on your behalf, and
doing anything needed to fix this complex and difficult problem.
Assessment & immediate
actions.
When you
contact us, a member of our expert recovery team will thoroughly
assess your situation, so that we can determine if you're a
victim and the extent of your identity theft. If you are in fact
a victim, we open a case file and you are assigned your personal
recovery advocate. This experienced person will ask you to
provide your personal information and to sign a document that
allows us to work on your behalf with financial institutions and
law enforcement agencies. They also instruct you on how to file
a police report. We typically will then review your credit
reports and other information relevant to your identity theft
situation such as financial statements in order to assess next
steps.
Negotiation with institutions.
We will then begin contacting creditors, banks, lending
institutions, criminal agencies, debt collection agencies and
others to explain the facts of the situation and to begin their
process for disputing and resolving fraudulent transactions or
other identity theft issues. Depending on the nature and
complexity of your particular identity theft, this process can
take anywhere from days to months. Our recovery advocates are
experts at this and work every day with these institutions. That
is why we have maintained our 100% success rate in restoring our
members to pre-identity theft status.
The road ahead.
Once your
identity theft recovery is complete, we talk with you about
moving ahead before closing your case file. We give you advice
on how best to prevent identity theft in the future, as well as
things that you should do to watch out for identity theft.
Unfortunately, victims of identity theft have a higher rate of
it reoccurring than people that have never fallen victim. So it
is essential that you maintain your ID Experts FraudStop
membership both to reduce the chances of reoccurrence as well as
to handle any additional theft events that might occur, despite
all of our best efforts.
Insurance:
Identity theft reimbursement insurance is in partnership with
national insurer AIG, an established provider of identity theft
coverage. This insurance covers your "out-of-pocket" expenses such
as notary and legal fees, as well as lost wages and other direct
expenses often incurred from identity theft. The family plan also
covers your spouse or domestic partner, as well as any of your
children under the age of 25 who are full time students.
Up to $30,000 to reimburse
expenses.
In the
event of a confirmed identity theft, you are eligible for
expense reimbursement of up to $20,000 for the individual plan
or $30,000 per family member in the family plan. Children
represent one of every 20 identity theft victims today. ID
Experts is extremely cost-effective in covering your whole
family.
Coverage for family fraud.
Unfortunately, identity theft among family members is becoming
increasingly common. Especially given the associated increase in
divorce and separation in today's families. Reimbursement
insurance will often exclude situations of family fraud, for
instance, the deadbeat dad that uses his child's identity to get
"clean" credit. ID Experts FraudStop specifically includes
coverage for these sad situations of family fraud.
Coverage for lost wages.
In addition
to out-of-pocket expenses, FraudStop reimbursement insurance
covers your lost wages if you need to spend time away from work
dealing with identity theft.
Coverage for professional
service fees.
Sometimes
an ID theft recovery effort requires you to get professional
services from lawyers, accountants, tax advisors, or criminal
investigators. With FraudStop, these sometimes substantial fees
will be eligible for reimbursement. The average identity theft
restoration can cost up to $5,000, so don't leave yourself
exposed.
Advisory:
What's the FraudStop difference? We pride ourselves on providing
you and your family members with the most personal and extensive
advice on maintaining your identities.
As identity theft increases nationwide, and criminals get more
sophisticated, your protection must increase. The ID Experts
Member Site contains extensive advice, easy-to-use resources,
discussion forums, and tips for reducing your risks both online and
offline. You also can talk directly with our member services team to
get personal help avoiding identity theft.
Personal advice from experts
in identity theft.
The ID
Experts team knows identity theft as well as identity
restoration. You can call anytime for personal advice from a
member of our team. We'll explain the most important things you
need to do to protect yourself. We'll also help you interpret
your credit reports and other items to determine if you are
currently at risk.
Online resources for members.
ID
Experts customers gain access to our online library of
prevention information, as well as current scam alerts and
breaking identity theft news. Members can take a custom
protection test that will determine and assess your household's
identity protection.
Monthly newsletter.
Each month,
you'll receive the very latest news and advice on identity theft
threats. You'll also find recommendations for excellent ID theft
protection tools, and news on corporate data breaches and new
scams just starting to appear.
Discussion forum to pose
questions and share experiences.
In some
cases, great tips can come from someone who has had a similar
experience. Or perhaps you have questions for other members. To
let you share your experiences and learn from other concerned
consumers, we built our secure member discussion forum. Post
your questions and start a conversation on ID protection with
our FraudStop experts and other members just like you.
Enroll today... a minimal cost for so much value.
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