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Identity Theft Services

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Company names mentioned herein are the property of, and may be trademarks of, their respective owners. …

Company names mentioned herein are the property of, and may be trademarks of, their respective owners.

Compiled and designed by Mark Fullbright , Certified Identity Theft Risk Management Specialist™ (CITRMS) as a free service for consumers to protect themselves from business scams.


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Transcript

  • 1. IDENTITY THEFT SERVICES Helpful Assistance or Smoke & Mirrors
  • 2. Fear as a Sales Tool • Identity Theft Services often use outdated statistics to create fear, which create sales. • The only true and unbiased statistics of Identity Theft are from the Federal Trade Commission. Consumer Sentinel Network - Federal Trade Commission 2013 • Base your decision on paying for ID Services on facts, not hype.
  • 3. ID Theft Insurance • In general, ID-theft insurance is secondary to any other coverage that might pay out first, such as homeowners or renter’s insurance. • Ask if the insurance coverage includes the expense of hiring an attorney if needed • If you received a subpoena to appear in court for an Identity Theft related case, is it covered? • Some insurers include ID-theft coverage in their homeowners-insurance policies. • Ask plenty of questions! What is covered? How to get reimbursed?
  • 4. Web Monitoring Services • These services often provide more false alerts than actual security alerts. • Names that are similar can send alerts • Normal public records activity • Most services do not guarantee that it will apprise you of all instances that your SSN or associated records may have been compromised. • I find monitoring services helpful if you have been a victim of identity theft. Try and fine tune them to reduce false alerts. • Also keep fraud alerts active. Don’t just rely on monitoring services.
  • 5. What other credit bureaus can provide • The credit reporting bureaus aren’t the only repositories of your personal data. • Information in other databases can indicate that a crook is using your identity. • Per the FACT Act you can check these reports each year without charge: Specialty Credit Reports
  • 6. Review that company! Part of your due diligence is looking at the company that will be helping with your identity theft issue. Like any company you employ, do a basic background check.  Glassdoor  BBB  FTC The National Association of Attorneys General
  • 7. Can you can do yourself? www.annualcreditreport.com • TransUnion • Fraud Alert • Security Freeze 1-888-909-8872 (Freeze Line) • Experian • Fraud Alert • Security Freeze 1-888-397-3742 (Freeze Line) • Equifax • Fraud Alert • Security Freeze 1-888-298-0045 (Freeze Line)
  • 8. What services do they provide?  Medical Identity Theft  Synthetic Identity Theft  Identity cloning  Financial identity theft  Criminal identity theft  Debt Tagging  Fraud  Account Takeover Fraud  Wire Fraud or HELOC  DL Identity Theft  Document - Benefit Fraud  Child Identity Theft
  • 9. How does their website add up? • Companies will tell you what they want you to hear. Check their website to see if they are really for you:  Is it easy to understand?  Is it easy to navigate?  Does it have free Consumer Resources?  Is it up to date?  Do they keep you updated on important Identity Theft trends?  Does it have useful links to other Identity Theft related sites.
  • 10. Advocate reviews • IDTheftInfo.org • Identity Theft Resource Center (ITRC) • Consumer.ftc.gov • Privacy Rights Clearinghouse
  • 11. The bottom line • You may need some help in sending letters and making contact with collection agencies and creditors regarding identity theft fraud. • If you’re not comfortable with your ID assistant, ask for someone else. This is no time for amateurs. • Keep track of everything being done. Request a summary of all work completed on your behalf and copies of any letters sent. • Request a good contact number to reach your ID assistant.
  • 12. Disclosure Company names mentioned herein are the property of, and may be trademarks of, their respective owners and are for educational purposes only. This document is not an endorsement of any of the companies mentioned. It is suggested that consumers conduct their own due diligence before purchasing Identity Theft services. I have not received any payment or compensation for mentioning any companies in this document. I do not imply one company is better than another or by not mentioning a certain company imply it is substandard.
  • 13. STAY SAFE, STAY SECURE Compiled and designed by Mark Fullbright , Certified Identity Theft Risk Management Specialist™ (CITRMS) as a free service for consumers to protect themselves from deceitful companies taking advantage of Identity Theft victims.