Identity Theft Shield

Anyone can be a victim of identity theft. It can happen in minutes, and take years for the fallout to stop.

More and more people from every walk of life are victimized each day. The results can be overwhelming; a loss of time and money spent by victims trying to put their lives and finances back in order.

Pre-Paid Legal's Identity Theft Shield℠ is an affordable solution to combat a growing crime that knows no boundaries.

The Solution:
Your IDT membership includes:

An up-to-date Experian credit report, including your personal credit score calculated and analyzed by an independent service. A review of your credit report and credit score is a step that make or break your financial future.

Continuous monitoring of your credit file at Experian ($12.95/Month (+$10 one time enrollment fee), or all three credit bureaus ($15.95/Month (+$10 one time enrollment fee)so you will be alerted if new activity is added to your credit report. If the activity is not initiated by you, it can point to identity theft.

Identity restoration means that licensed investigators are on your side working to correct damage caused by identity thieves. This includes working with law enforcement, the government and credit cards companies on your behalf. Also, fraud alerts will be sent on your behalf to all three credit bureaus and affected companies and agencies.

You are covered as soon as your application is processed by Pre-Paid Legal. Your membership packet contains simple steps that authorize monitoring of your credit report, plus crime preventions tips that identity thieves don't want you to follow.

Assistance is as close as a toll-free number to report any potential problems in your credit report. If a discrepancy is identity theft, a Fraud Restoration package will be rushed to you and our expert investigators will assist you in steps to correct inaccuracies.

What do you do if you discover that you are an identity theft victim?

 

Who's included in the plan:

• You as the primary member
• Your spouse

 

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Coverage Details:

 

Credit Report

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 Shield℠ makes it easy.

 

Continuous Credit Monitoring

Suspicious activity will be brought to your attention, providing you with early detection.

You'll receive prompt notice if Experian is notified of any of the following:

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 the Identity Theft Shield℠ 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

 

Additional Information and Exclusions
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.