Legal Sheild
The following article includes pertinent information that may cause you to reconsider what you thought you understood. The most important thing is to study with an open mind and be willing to revise your understanding if necessary.
It's no secret: Identity Theft is a major problem in America.
Think you're not at risk? Unfortunately, you are.
Experts recommend that you review your credit report regularly. The Identity Theft Shield makes it easy.
* 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 $1,500 in out-of-pocket expenses in your efforts to resolve the many problems caused by identity thieves
The average identity theft victim spends more than $1,500 in the quest to clear his or her name.Or, with the Identity Theft Coverage:
Get REGULAR monitoring of your credit report and let the proven leaders in the identity restoration and legal services fields assist you
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
I trust that what you've read so far has been informative. The following section should go a long way toward clearing up any uncertainty that may remain.
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
Sometimes it's tough to sort out all the details related to this subject, but I'm positive you'll have no trouble making sense of the information presented above.Pre-Paid Legal Services, Inc.http://www.prepaidlegal.com/hub/vafindlay
