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A Review of Identity Theft Insurance
Because identity theft is both lucrative and easy to get away with it, the identity theft ring is growing and fast in crime circles from meth addicts to mafia. Consequently, there has been a great response to meet the growing business demand for identity theft protection.
You've probably heard of LifeLock, an identity theft protection company that has been in the news a bit lately. In a ballsy move, the company's CEO Todd Davis has published his Social Security number (475-55-5462) a prominent place nobody dared try to steal your identity. Actions speak louder than words, and certainly show confidence in the protection offered by your employer. One of the fastest growing companies in U.S. Davis must have instilled confidence in his clients with inventive marketing strategy, gaining more than 1 million customers last year.
What and what exactly do they do? Should the game? We have gathered some information about the company and the protection offered here:
What is and how it works?
The system puts fraud alerts on all three credit bureaus and essentially makes permanent these alerts. What is an alert of fraud? In 2003, Congress passed the Fair and accurate Credit Transactions Act (or FACTA), which forces the credit bureaus that allows you to put a fraud alert on their credit reports require lenders to verify their identity before issuing a card to your name. This alert is temporary, expiring after 90 days, but LifeLock Essentially, these alerts renewal permanent before they expire. In fact, if someone won your personal information and tried to open a fraudulent credit card in your name, credit agencies would have to speak with you to verify your identity before processing the order.
1 – the customer chooses the credit offers pre-approved and junk mail lists, a known source of identity fraud.
2 – orders your credit report from all three bureaus that are automatically distributed to you each year.
3 – True Directorate oversees the National Database and alerts you if a criminal has changed your address to receive mail or to obtain your personal information.
4 – Erecon LifeLock monitors the hackers and criminal websites for their credit card numbers and personal information and lets you know if someone is trying to steal. LifeLock will help you replace your account numbers in the event that your privacy has been compromised.
5 – features a Total Service Guarantee of $ 1,000,000. For legal reasons, LifeLock does not call this insurance. Indeed, he agrees to cover its costs (ie, reimburse the loss financial, legal fees to restore credit, etc) if your identity is stolen to the amount of one million dollars. Note: this does not cover if stolen credit card and use (which rarely has trouble anyway because it is the bank's domain.) It also only covers new cases of identity theft victims existing identity theft will not be covered. From their website:
"If your identity is stolen while you are our client, we will make every effort to to restore his good name. If you need lawyers, we will hire the best we can find. If you need investigators, accountants, case managers, whatever, that are yours. If you lose money as a result of the theft, we will give you. We will do whatever necessary to help restore your good name and we will spend up to $ 1,000,000 to do .
LifeLock Other Features:
* Protection of the identity theft of children (up to age 15) for $ 25 a year
* LifeLock Customer Service is available 24 hours 7 days a week
In Summary: This is proactive rather than reactive, stop identity theft before it happens. The security expert Bruce Schneier maintains, in fact, forcing lenders to verify identity before issuing credit is exactly the kind of thing we need to combat identity theft. Making information harder to steal can be quite difficult, can be very intelligent and safe, and still has her purse stolen for example. A better solution might be in the dissemination of information harder to use stolen and this is the focus of LifeLock uses.
How much Cost?
Protection is $ 10 per month or you pay for a year before to $ 110 per year. In addition, several websites offer discount vouchers and coupons, Annual advertising to protect $ 99.
Is it worth it?
It is important to know that almost all the offers of protection LifeLock (Fraud alerts, credit reports, etc) can do for yourself for free. In this sense, they are a service company, saving you time and trouble to take these precautions yourself. Here is the information you need to protect yourself (free):
1. Place a fraud alert on your account. All you have to do is contact (by phone or online) one of the three major credit bureaus and request a fraud alert. No need to call the three already required to report the fraud alerts with each other. Remember to renew the fraud alert every 90 days. Information Fraud alert contact:
* Equifax
* Experian
* TransUnion
2. Excluding credit card offers and junk mail.
3. Get your free annual credit report.
In addition to these measures (whether you pay for them, or do the same), there are other precautions you should take to protect against identity theft.
* Lock your mailbox with a secure locking mailbox.
* Switch from paper invoices to electronic invoices.
* Shred confidential mail shredder a document of cross section.
* Do not carry paper checks or social security card when you can.
About the Author
Jenny DeRaspe-Bolles is Marketing/PR Specialist at MailBoss – a division of Epoch Design. MailBoss is committed to the design, manufacturing and distribution of a locking mailbox of superior quality and value. The Mail Boss locking security mailbox product line secures sensitive mail, helping consumers protect themselves from the epidemic of mail theft and identity theft.
WNYO Intershow Bed October 2, 2009