Identity Theft Protection
Leading Identity Theft Protection, Identity Recovery and
Identity Risk Scoring
Our Identity Theft and Security Center Program featuring Restoration Rescue® has been designed to help you and your family avoid the fastest growing crime in the country – identity theft .
We’ll provide the following services as part of your Restoration Rescue® program*
- You’re covered at no additional expense! We will pay for your Restoration Rescue® service performed by a licensed attorney, highly specialized in identity theft restoration* .
- They will discuss the applicable laws and time limits which apply to recovery of the loss of funds and you will be offered an option to sign a Limited Power of Attorney, giving our attorneys the ability to act on your behalf .
- We will assist in filing police reports and contacting of all credit bureaus, creditors, f inancial institutions, merchants, even utility companies on your behalf .
Take Control! Additional tips to safeguard your identity
Be consistent with your routine of checking . You can do a lot of it yourself . Watch your bank account statements, credit cards and other online accounts . Other signs can be:
- You see withdrawals from your bank account that you can’t explain - You don’t get your bills or other mail .
- Debt collectors call you about debts that aren’t yours - You find unfamiliar accounts or charges on your credit report .
- Medical providers bill you for services you didn’t use .
- A health plan won’t cover you because your medical records show a condition you don’t have .
- The IRS notifies you that more than one tax return was filed in your name, or that you have income from an employer you don’t work for .
- You get notice that your information was compromised by a data breach at a company where you do business or have an account .
Your Child is Covered
Child identity theft occurs when a child’s identity is used by another person for their personal gain . Parents or relatives are usually the first to notice something is not right . Did you know your minor children are automatically enrolled within your activated Restoration Rescue® coverage at no additional expense?*
Discovery often comes:
- When attempting to open a savings account or college fund for the child .
- When numerous pre-approved credit card offers come in the name of the child .
- When credit cards, checks, bills or bank statements are sent in the name of the child .
- When collection agencies call or send letters about accounts not opened by the child .
- When a teen is denied a driver’s license because another person has their Social Security Number as their ID .
Additional tips and information
If you suspect and have some reason to believe your child’s identity has been used and you are the child’s parent or court-appointed guardian, you may write the three Credit Reporting Agencies to see if there are credit reports in that child’s Social Security Number . The best news would be ‘there is no report’ . Parents can set a fraud alert for children under the age of 18 by mailing a letter of explanation . Parents will need to submit their request in writing, as federal law prohibits the credit agencies from collecting a minor’s personal information via the Web . This information should be provided to each credit bureau . If a minor child already has a credit file with that agency, the organization will then set an alert and forward a copy of their credit report to the parents .
Lost Document Recovery
As a member, who has activated their Restoration Service, you have coverage to help with lost document recovery . Having your purse or wallet stolen can be less of a headache with assistance from Restoration Rescue™ .
Fortunately, you can replace most important personal records . You can get your records based on the location of the birth, death, marriage or divorce - contact your state’s motor vehicle department to get or replace your Driver’s License - submit specific forms to replace stolen passports, in person, at a passport agency or acceptance facility .
Credit cards are better protected by federal law as to the amount of money that you are responsible for if lost or stolen, and most companies now extend a zero liability policy to customers .
Restoration Rescue™ will reimburse you for the cost of replacing documents, related to your covered Stolen Identity Theft event, up to a maximum of $250 per primary account, per lifetime .
Set fraud alerts! A fraud alert is a notation placed in your file with the credit reporting agencies that states that suspicious activity has been discovered in your credit file, and alerts creditors that they need to contact you and verify your identity before extending credit to anyone claiming to be you.
A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or have filed for bankruptcy . The Fair Credit Reporting Act (FCRA) requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months.
Junk Mail Reduction
You can elect to be removed from prescreened solicitations for credit and insurance offers, thereby reducing the possibility of the information getting into the wrong hands . These lists are sold by all three credit bureaus . If you choose to opt-out, you will no longer be included in these solicitation lists .For additional junk mail reduction, we have also provided a link to a website that enables you to opt-out of specific catalog mailings and to select specific catalogs you do NOT wish to receive.
Credit Card & Personal Information Form
Losing your purse or wallet, or having it stolen, can be a devastating experience . Trying to remember your credit card, debit card, bank account and driver’s license numbers and who to contact when they’re lost or stolen can be overwhelming .“Digital Assets,” your online account information, also need protecting.