Identity Theft Protection

Fully-Managed “Family” Identity Theft Restoration:
A professionally trained recovery advocate is assigned to all victims and will perform a fully managed identity restoration program for the covered member.  Recovery advocates will document, dispute and reverse all fraudulent transactions through a limited power of attorney for all known types of Identity Theft.  Additionally, this includes one year of follow-ups after victim is back to pre-theft status.

Steps taken when a covered member is a victim:

  • If fraud or compromise occurs, a professionally-trained Identity Theft Recovery Advocate will be assigned to provide the following services as needed.
  • Online access by covered member to report an Identity theft event and verify eligibility of customer for benefits.
  • Provide a recovery package via overnight mail or email, at the option of the victim, with the necessary forms and instructions, including a limited power of attorney form.
  • Notify the three major credit bureaus, and the member’s affected creditors, financial institutions and utility providers if there has been an Identity Theft Event. Provide assistance with filing a Police Report.
  • Provide fraud alerts to the three major credit bureaus requesting that a fraud alert be placed on the member’s credit files and affected credit accounts where there has been an Identity Theft Event.
  • Provide a secure logon to a personal Identity Care Account to view recovery case notes online 24/7
  • Collect information regarding misuse of the member’s accounts.
  • Create and maintain a case file to document the identity fraud.
  • Access and review the member’s credit files with the Consumer to determine the accuracy of the file and potential areas of fraud.
  • Research and investigate potential damage to member’s identity utilizing a limited power of attorney with creditors, governmental agencies, financial institutions and other to diligently strive to restore the member’s identity to pre-event status.
  • When appropriate, provide assistance with obtaining and reviewing the member’s Social Security Personal Earnings and Benefits Statement.
  • Provide information to the FTC, and to other government agencies as appropriate.
  • Education through Online Resources, including interactive Identity Theft Risk Test, Protection Tips, News and Alerts.
  • 12 month follow up after victim is back to pre-theft status

Internet Monitoring Service:

The Internet Monitoring Service proactively scans for sensitive personal information commonly sold and traded on black market internet sites and chat rooms. This service includes monitoring for credit and debit card numbers, bank account numbers, social security numbers, driver’s license numbers, telephone numbers, email addresses, and other sensitive information. Proactive services reduce risks, costs and headaches related to financial fraud and Identity Theft.

The service works with the latest internet crawling and monitoring technologies, private and public security professionals and law enforcement agents to identify new black market internet sites. The service uses industry standard encryption and security processes to maintain data security and monitoring reliability.

Covered members receive a monthly status email providing an update of their monitoring service.   In addition, the system sends real-time alerts via email to covered members whenever there is activity. This monitoring service and real-time alerting provides a pro-active solution that is the perfect addition to recovery services.

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