Credit Identity Theft
Most identity theft plans monitor a person’s credit for identity theft. There are several competing identity theft plans available from different companies including banks, credit bureaus, and online. All identity theft plans will provide credit identity theft monitoring as a way to more quickly determine if unusual transactions are taking place concerning your accounts.
But what happens when your identity is stolen? There is only one plan, our plan, which provides for complete identity restoration by a licensed investigator working on your behalf.
The five primary types of identity theft are:
- Social Security Numbers
- Medical Information
- Financial or Credit Identity Theft
- Driver’s license
- Character/Criminal actions
The FTC estimates that 9 million Americans have their identities stolen each year. Victims of identity theft may lose out on job opportunities, lower credit scores, be denied certain services, or even be arrested for crimes they did not commit.
Identity theft is the misuse of your personal information such as your name, Social Security number, financial account information, driver’s license information or medical information. This personal information can be found at your bank, medical clinic, credit institutions, city government, retail stores and trash. Skilled identity thieves may use a variety of methods to get hold of your information, including:
- Dumpster Diving. They rummage through trash.
- Skimming. They steal credit/debit card numbers.
- Phishing. They pretend to be financial institutions to get you to reveal your personal information.
- Changing Your Address. They divert your billing statements to another location.
- Old-Fashioned Stealing. They steal wallets and purses; mail, or tax information.
- Pretexting. They use false pretenses to obtain your personal information from financial institutions, telephone companies, and other sources.
Once identity thieves have your personal information, they commit fraud in several ways.
- Credit identity theft and credit card fraud by opening new credit card accounts in your name or use your existing credit numbers.
- Phone or utilities fraud by opening a new phone or utility accounts in your name.
- Bank/finance fraud by creating counterfeit checks, opening new accounts, taking out loans using your name or account number.
- Government documents fraud by getting a driver’s license, Social Security number, fraudulent tax returns or official ID card issued in your name but with their picture.
- Identity thieves may also get a job using your Social Security number, rent a house or get medical services using your name, give your personal information to police during an arrest.
It affects not hundreds, not thousands, but millions each year. Symptoms can include harassment from debt collectors, maxed out credit cards, being subjected to criminal investigations or civil suits, being arrested, or difficulty with bank accounts. Identity Theft is a devastating crime that can take mere minutes to occur and years to resolve.
So now you too can have identity theft protection, including credit identity theft, with real identify restoration with a low cost, comprehensive plan fit for your family or business needs. To protect your family and take advantage of these services, simply fill out this contact form to be contacted by an associate representative to answer any questions and get more information.