Credit Services

Your identity is valuable. It’s also very much at risk. Think of all the medical facilities, businesses and online vendors to whom you have provided your Social Security number, your date of birth, your driver’s license number, your address and your phone number. It only takes one employee losing those files, or willing to sell that information, for your identity to be used by an illegal alien looking for work, an ex-con hiding from the law, a registered sex offender looking for residency, for opening credit accounts, for having medical procedures done, for receiving government benefits, or for any other of the myriad of reasons identities are bought and sold.

Children are favorite targets of identity thieves. A child’s Social Security number can be used for up to twenty years before the child applies for credit to find out that their identity had been stolen. In that period of time, tremendous damage can be done to the child’s identity and credit rating.

The longer your identity is being used without your knowledge, the more damage to your good name and the more difficult it is to resolve.

According to the FTC, 70% of Identity Theft is non-credit related. Therefore, an effective monitoring program must go beyond looking only at the credit bureaus. We look at thousands of databases to monitor your total identity.

We continuously monitors over 1,000 databases including credit, Social Security, public records, real property records, telephone, USPS new movers file and many others. These additional sources help to find the 70% of ID breaches that go under the radar by services that rely strictly on credit bureaus to find identity theft.

According to the FTC, it can take more than 600 hours to clean up the mess of ID Theft. Time away from work and productive hours lost, can be the most devastating effects victims will endure.

Now with Resolution Services, you are protected and will have peace of mind when you become a victim of Identity Theft. A personalized Recovery Advocate will be just a phone call away to provide help and assistance from the moment the ID Theft is discovered until its resolution.

o A Recovery Advocate is assigned to the case and speaks directly with the victim to determine the nature of the ID Theft

o Advocate completes a personalized victim’s guide and sends to victim.

o Member completes required documentation, including an ID Theft Affidavit and Limited Power of Attorney Authorization. The LPOA allows Recovery Advocate to work on Victim’s behalf.

o After receiving completed forms from victim, Recovery Advocate assists victim with obtaining credit reports, placing fraud alerts, filing a Police Report, and speaking with merchants directly impacted by the ID Theft Event.

o Recovery Advocate works to resolve the issues with all affected merchants, bureaus and agencies.

According to the Identity Theft Resource Center, the latest National average for out-of-pocket expenses incurred by ID Theft victims is $1,244. With us, the average out-of-pocket expense is $0.00.

The far-reaching effects of some Identity Theft cases may leave the victim with legal expenses, mailing and notary fees, travel expenses, and more. The victim may even need to take time off from work in order to clear their identity.

With Expense Reimbursement, all out-of-pocket expenses due to ID theft resolution are covered 100%, with no deductable, up to $25,000. If the victim needs to take time off from work to clear up the problem, lost wages of up to $1,000 a week for up to 4 weeks are reimbursed.