Identity Theft Resource Center
Jay Foley is the co-founder/director of the Identity Theft Resource Center, a nationwide, nonprofit identity theft program located in San Diego, California. The ITRC was established in 1999 in response to the growing need for victim assistance and public empowerment caused by the explosive rise in identity theft crime rate. Visit http://www.idtheftcenter.org for more info.
Legal & Identity Theft Services
- Prepaid legal Services & Kroll Identity Theft protective Services
To schedule a 20 minute consoltation with one of us, on these laws and your personal and companies liabilities. Please call our Director Of Operations: Brenda Bell at 877-593-6975
- Lifelock
A solution that will actually prevent your Identity from being used and a company that stands behind you to the tune of $1,000,000 should anything ever happen. www.lifelock.com
ID Theft Credit Info
THANKS TO LISTENER ANJELA FOR THE INFO ON HOW TO PROTECT YOURSELF FROM IDENTITY THEFT!
The three major credit bureaus are Equifax, Trans Union, and Experian. You can call to put the fraud alert on your credit file.
Equifax, Ph 800-685-1111
Trans Union, Ph #800-680-7289
Experian, Ph # 800-680-7289
You can also log onto each of their websites to put the fraud alert on to your file. www.equifax.com, www.transunion.com, and www.experian.com. The website where you are able to obtain a free copy of your credit report once a year is www.annualcreditreport.com
LISTENER RUSTI WANTED TO SHARE SOME ADDITIONAL SERVICES YOU CAN GET TO PROTECT YOURSELF FROM IDENTITY THEFT!
Here is a summary of our Identity Theft coverage
In response to one of the fastest growing crimes in the country, Nationwide
is now offering an identity theft product.
Our product has a coverage and service component through our partnership
with ID Theft AssistSM. We are proud to link our product offering with the
ID Theft AssistSM comprehensive program. It is the broadest in the
industry, providing full recovery for even a suspected incident, including
a stolen wallet, lost credit card, etc. ID Theft AssistSM is the only
non-credit granting institution that has real-time, on-line access to
TransUnion's reports, allowing for an immediate start to a victim's
recovery.
Upon the customer's authorization, our service provides:
· Offers a 24/7-call center that captures all necessary information and
offers a live person to speak with at any time.
· Utilizes real-time technology, including on-line access to
TransUnion's credit report.
· Provides the FTC's uniform ID Theft affidavit, answers any questions
with regards to completing and submitting the affidavit to the proper
authorities, credit bureaus and creditors.
· Obtains list of creditors to be contacted; contacts them with
separate itemized fraudulent account statements for each fraudulent
occurrence. Assists the customer with itemizing.
· Reports or assists the customer in reporting the fraudulent activity
to the local authorities and the Federal Trade Commission.
· Notifies the three major credit-reporting agencies of the ID theft;
assists the customer in placing a "Fraud Alert" on their credit report.
· Helps the customer obtain and review a free copy of their credit
report from the other major credit-reporting agencies, Experian and
Equifax.
· Assists the customer with replacing driver's license, passport,
Social Security card, and any other identifying documentation.
· Provides the customer with an ID Theft Emergency Response KitTM .
· Educates the customer on how ID theft occurs and informs of
protective measures to take to avoid further occurrences.
· Translates whenever necessary in the event the caller is overseas and
needs help communicating with local police in order to file a report.
· Provides emergency cash advance to customers when theft occurred away
from home (credit card guarantee is needed from customer or family member).
· If imposter is apprehended by law enforcement and stands trial, plan
attorney will help draft a victim impact letter to the presiding judge.
· Helps to determine the best action to take against creditors or how
to best work with credit bureaus if they are not cooperative in removing
fraudulent entries from a credit report.
· Provides general advice for ancillary problems caused by ID theft.
· When needed, customer will be given access to up to three in-person
sessions per family with a provider to address emotional issues caused by
the theft.
Our Differentiation from the Competition
Several insurers have also marketed a service offering with their Identity
Theft loss protection. Other companies have partnered with third parties
that drop ship affidavits and other forms related to the loss occurrence
that must be filled out by the identity theft victim and subsequently sent
to a variety of parties. There is a significant amount of time required on
the part of the victim to execute these forms and to follow up, to ensure
that the corrections have occurred. Here is how our ID Theft Product
stacks up against some of our competitors:
|----------+-------------+-------------------------+-----------------+------------|
| | Coverage | IDT Provider | Premium | Deductible |
| | Limit | | | |
|----------+-------------+-------------------------+-----------------+------------|
| | | ID Theft AssistSM | $45 annually | |
| Nationwid| $25,000 | rectifies for PH | | $0 |
| e | | | | |
|----------+-------------+-------------------------+-----------------+------------|
| | |Kroll |$30-$40 annually | |
|Allstate |$25,000 |provides kit to PH | |$0 |
|----------+-------------+-------------------------+-----------------+------------|
| | |Identity Theft 911 |$59-$180/annually| |
|Travelers |$15,000 |provides kit to PH |standalone policy|$100 |
|----------+-------------+-------------------------+-----------------+------------|
| | |PH rectifies and is|$24/yr | |
|Hartford |$15,000 |reimbursed expenses | |$250 |
|----------+-------------+-------------------------+-----------------+------------|
| | |PH rectifies and is|$25/yr | |
|Farmers |$15,000 |reimbursed expenses | |$100 |
|----------+-------------+-------------------------+-----------------+------------|
| | | Identity Theft 911 | $25/yr | |
| Liberty |$15,000 | provides kit to PH | | $250 |
| Mutual | | | | |
|----------+-------------+-------------------------+-----------------+------------|
Customers who purchase our product will only need to make one call to
1-888-821-0119 and report a claim. Our claims associate will confirm
coverage and then warm transfer our customer to an experienced
representative of our service provider. Through this partnership, our
customers will not just be told what to do. Instead, our customers will
find our service will specifically assist them in recovering their
identity.
Rusti Palmer
Nationwide Insurance
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© 2008