Identity Theft Shield by Kroll

Identity Theft Shield Coverage by Kroll Background America

Who is covered - you and your domestic partner.  Identity Theft Shield does not include children.

Membership Fees: $12.95 mo for full identity restoration with Experian credit monitoring, or $14.95 mo for full identity restoration with monitoring of all three credit bureaus.

Identity Theft Shield Protection Plan Coverage

1. Credit Report through Experian:

Need to do an initial credit report to make sure your financial records are accurate.

Your credit report not only affects your ability to get credit, it dictates your interest rate. Both insurance companies and prospective employers use your credit rating to gauge your sense of responsibility.

2. Personal Credit Score and Analysis:

A detailed analysis of your Personal credit score will be included with your first Credit Report.  You can use this analysis to evaluate your current credit standing …and, if necessary, make the adjustments necessary to improve it.

3. Continuous Credit Monitoring:  

Identity Theft Shield is a single repository monitoring product that monitors your Experian credit file daily.  You will receive email alerts from activity on your Experian account.

(Or, for $14.95 per month you can have daily credit monitoring at all three credit repositories.)

4. Identity Restoration:

At Kroll, identity restoration is performed by licensed investigative agents.  Kroll has been in the investigative business for 30 years, way before identity theft was the fastest growing white collar crime. Background checks and investigative research is their main job.

What you do when you suspect you are a victim:  Dial an 800 number, and explain the situation.  You also must sign a limited power of attorney to give Kroll (or any restoration company) the legal power to work in your behalf.

What Kroll does:  A licensed investigator will be assigned to work on your behalf to help correct Identity theft issues with affected agencies and institutions, including:

    Credit card companies
    Financial institutions
    All three credit repositories
    Federal Trade Commission
    Social Security Administration
    Department of Motor Vehicles
    U.S. Postal Service
    Law enforcement personnel
    ….and other organizations that may be affected

Fraud alert notifications will be sent on your behalf to all three credit repositories, Social Security Administration, Federal Trade Commission, U.S. Postal Service and affected credit card companies and financial institutions.

Proactive searches of applicable local and national databases will be made on your behalf to look for information you may not be aware of, including:

    Criminal activity in your name in your county’s records and certain federal watch lists.
    Department of Motor Vehicle records in your state
    Unknown addresses affiliated with your name
    Banking activity in your name reported as fraudulent

Restoration Service Exclusions:

    A. Family Member.  Any stolen identity event of which a spouse of child participated in, directed or had prior knowledge.

    B. Dishonest Acts.  Any dishonest, criminal, malicious or fraudulent acts, if the member that suffered the fraud personally participated in, directed or had knowledge of such acts.

    C. Pre-existing Stolen Identity Event Limitations.  Restoration Services will not be provided under the regular membership fee to members for a pre-existing stolen identity event if either member had knowledge of, or reasonably should have had knowledge of, the pre-existing stolen identity event based on information provided to him or her prior to enrollment in the Identity Theft Shield Program.

    (If you are a pre-existing victim Kroll offers a substantially discounted rate of $850 to clean up the mess, and then protect you from future events with your monthly membership fee.)

    D. Financial Loss.  Membership Services do not cover any financial losses attributed to the Stolen Identity Event, including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or direct.

    E. Membership Status.  Restoration Services, for both new and in-process cases will only be provided to members who are in an active, paid status.

    F. A signed limited power of attorney must be provided to Kroll when an Identity Theft Restoration case is opened in order for Kroll to work on your behalf and/or provide the Proactive Database Searches listed.

    G. A stolen identity event does not include the theft or unauthorized or illegal use of your business name, d/b/a/, or any other method of identifying your business activity.

If you have further questions on Identity Theft Shield, please use the contact page to get in touch with me.

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