RESTORING YOUR IDENTITY-- STEP BY STEP
The Fraud Resolution Program is a confidential and easily accessible service that provides an administrative structure for dealing quickly and effectively with ID theft concerns.
By simply contacting us at 1-800-706-5749, a member will receive a free (60) minute telephone Consultation with a trained and experienced Fraud Resolution Specialist™ (FRS).
In the event of an ID theft occurrence, contact a Fraud Resolution Specialist and they will assist with the following (7) emergency response activities:
- Provide the member with a “Uniform ID Theft Affidavit,” answer any questions with regard to completing the affidavit and counsel the member on submitting the affidavit to the proper authorities, Credit Reporting Agencies, creditors and collection companies.
- Furnish the member with separate fraudulent account forms or letters for itemizing each fraudulent occurrence and advising the member on where to submit those forms and letters.
- Direct the member on where to report the fraudulent activity and how to notify the local, state and Federal authorities, as well as the fraud departments of the member’s creditors.
- Furnish the member with the contact information for the three major Credit-Reporting Agencies: TransUnion, Experian and Equifax.
- Advise the member on how to obtain a “free copy” of the member’s credit report now (and every 4 months thereafter), and how to place a “Fraud Alert” and/or “Credit Freeze” on the member’s credit file.
- Provide the member with an ID Theft Emergency Response Kit.™
- Educate the member on how identity theft occurs and inform the member of protective measures to take to avoid further ID theft occurrences and resulting damage to the member’s credit history and credit score.
Protecting Your Identity and Private Information
Your best defense is always good offense, when it comes to guarding your good credit and preventing identity theft. The key is vigilant monitoring of both your credit usage and non-credit events, so you can detect unauthorized activities in your name, or using your SSN/DOB, and quickly take any action necessary to notify authorities and creditors, close accounts and maintain your good credit history.
As a member, you will receive the following benefits to help prevent fraud and misuse of your credit:
- Identity monitoring alerts for suspicious activity against your name, SSN and DOB
- Monthly risk scores by email about your potential for being a victim
- Counseling assistance on all identity monitoring issues
- Personalized attention to address your identity monitoring needs and personal concerns
- Your membership includes monitoring accounts for your entire household
Receive monthly “risk scores” (low/medium/high) regarding your exposure to being an ID theft victim. Risk scores are delivered by email only to designated email addresses. A “high” risk score encourages the member to contact the Fraud Resolution Specialist™ to obtain details of what has led to the high score.
LOST PURSE OR LOST WALLET BENEFITS
Multi-party Calls are made to Cancel and Reissue Credit Cards:
During standard business hours, members are entitled to have their online credit report pulled, by providing the necessary information to the Fraud Resolution Specialist™. With the member on the phone, each affected creditor and/or bank will be called to cancel existing credit/bank accounts and to have new cards issued. A “fraud alert” with the Credit Reporting Agencies may also be established at that time as directed by the member.
Identity Theft Fraud Expense Reimbursement Coverage Highlights
Up to $25,000* in ID Theft Fraud Expense Reimbursement Coverage for certain expenses incurred in reclaiming the member’s identity, with a zero deductible.
ID Theft Fraud Expense Reimbursement includes, subject to limitations:
- Lost wages as a result of time taken off from work to reestablish identity (up to $500 per week for a
maximum of four weeks).
- Notary and certified mailing costs for completing and delivering fraud affidavits.
- Long distance phone calls associated with reporting an identity theft and/or reestablishing a victim’s identity.
- Attorney fees incurred (with prior consent) from the insurer for:
- Defending suits brought incorrectly by merchants, creditors or collection agencies.
- Removing civil judgments and/or criminal convictions wrongly entered against the victim.
* Not available in New York.
IDAlert is one of the few ways that a potential victim can identify many of the more dangerous types of Identity Theft (which are not “credit” related), such as:
- Criminal arrests and issuance of arrest warrants in other jurisdictions
- Criminal convictions in the victim’s state or in another
- DMV registrations for licenses (or cash motor vehicle transactions) in another city or state
- Real property sales or leases in another city or state, where a public database is used
EXAMPLES OF CASES COVERED BY IDALERT**state
- A job taken in another city or state, using the victim's name and/or SSN
**Manytypes of fraud are not detected by traditional credit monitoring services. These cases are estimated to be as high as 80% of identity theft cases, which take place in today’s data-drenched markets.
- Social Security Number Theft
- Department of Motor Vehicles
- Criminal Convictions and Outstanding Arrest Warrants
- Real Property Transactions
- Payday Loans
- Instant Credit Card Issued On-Line (small sums of $300-$400)
- Synthetic Identity Theft
“Synthetic”Identity Theft occurs when the thief is utilizing the victim's SSN, but is using a different name, address or date of birth. It is now the fastest growing form of identity theft.
IDAlert Fraud Resolution Services:
If the member becomes a victim of Identity Theft, ID Alert (must opt in) provides a Name/SSN search as a part of ID Alert Fraud Resolution Services. Our highly trained Fraud Resolution Specialists™ are qualified fraud resolution professionals with expertise in dealing with fraud and identity theft matters. Each specialist is also certified under the Fair Credit Reporting Act.
ID Alert’sFraud Resolution Services assist consumers at the inception of a fraud related emergency. ID Alert’s Fraud Resolution Program™ is an affordable and expedient process that:
- Provides members with a free consultation with a highly trained Specialist.™ and conducts (7) emergency response activities.
- An Identity Fraud/Identity Theft risk score to the member
- Identified fraud/identity theft discovered (during any monthly scan) will initiate the ID Alert managed
fraud recovery process (Member must opt-in for this service)
- Assistance in reading and understanding ID Alert findings/results and Identity Scoring.
- Assists members with restoring their identity and good credit.
- Provides members with a free “ID Theft Emergency Response Kit”
- Administers the costly steps to dispute fraudulent debts as a result of ID theft.
- Follow-up with the member and monitor the Fraud Resolution progress.Fraud Resolution
Our fraud resolution program focuses not only on the immediate fraud related issues that a member is facing, but also educates the member on preventative steps to help in avoiding being victimized again. By utilizing our Fraud Resolution Program, members will receive assistance from a trained specialist that can assist the member in expediting their fraud claims and restoring their good credit.
When ID Theft occurs “Fraud Resolution is a must”. Studies show that if a consumer does not respond to a creditor within (2) weeks of identity theft the chances of recovery are significantly decreased. Our program helps member’s resolve fraud related issues “when time is not on their side.”