id theft fraud prevention

February 21, 2011

Recovering From Id Theft

Filed under: Legal — Tags: , , , , , , , , , , , , , , — admin @ 7:54 am
Tina L Douglas asked:




Gone were the days when only tangible properties get stolen. With the fast-paced technology, practically anything can be taken away from anyone – dead or alive. Yes, the dead is not exemption.

So, you’re identity has been tampered. So, your credit standing is now a mess. So, what do you do next? Where do you ask for help? Recovering from identity theft is comparable to regaining strength after a series of chemotherapy. The financial as well as emotional impact could be great. The process involves information gathering, reporting, follow through, resolution and continual monitoring.

1. Information Gathering – Collate all information pertinent to what was stolen from you. Keep in mind that everything should be properly documented, even your simplest conversation with anybody – the time of call, who you spoke with, what was discussed and agreed upon. Get a record of all the fraudulent financial information. Freeze the credit or bank account involved. Obtain a copy of your credit report. Get a hold of a receiving copy of anything that you send out to anyone, even the report you provide the local police department.

2. Reporting – You need to contact quite a number of institutions to assist you with the unfortunate event. Proper authorities include, but are not limited to, the Federal Trade Commission and the local police department, your bank or credit company’s fraud investigators, your lawyer, and more importantly, you support group. You will need a lot of emotional strength as you go through a very lengthy process of reclaiming your own identity.

3. Follow Through – Ensure that you have spoken to the right people. More often than not, the issue of identity theft gets worse when one settles with reporting the concern to front-liner support such as customer service representatives. These individuals may log your concern but they are not experts on how to treat the complexity of your case. Whenever possible, ask for the company’s fraud expert.

4. Resolution and Continual Monitoring
Be in constant communication with your lawyer. You hired him not only to help you regain what was lost, but also to defend you. When identity is stolen, it’s a big issue of trust. So take note to hire the lawyer whom you personally know and would at least attest to your real personality.

Bear in mind that everything should not stop the moment you have regained your identity and cleaned up all the mess. It is a must that you protect yourself by doing preventive measures such as subscribing to credit monitoring services. These services monitor the activities of your accounts and would alert you the moment any changes happen. You can then validate them as they happen instead of waiting for something big to explode in your face. Prevention best serves as your shield.

Roberta

October 4, 2010

September 21, 2010

7 Tips on Identity Theft Prevention

Filed under: Legal — Tags: , , , , , , , , , , , , , , — admin @ 3:16 am
Jonathan D. Beebe asked:




Identity Theft is an extremely fast-growing crime in today’s society. In 2006, more than 9 million Americans fell victim to several types of Identity Theft, costing them a total of around $5.5 billion. I was one of those victims. Before I knew it, my bank account was drained, I had been banned from websites such as eBay, and I was already facing problems in my life at that point. It was then I decided to invest a small monthly income on some Identity Theft Protection.

I never thought I could be one of those people. You know, the one’s you see on the television commercials talking about how their Identity got stolen. Because of that, I didn’t take much thought in being mindful of my day-to-day activities. Below are 7 things I could have done, and you should practice to minimize your chances of falling victim to this outreaching crime. Even so, I recommend you invest in a reliable Identity Theft Protection service, because the next victim could be YOU.

1. Be sure to check your credit report from all three major credit bureaus at least once a year to see if there are any errors, or points of question. A good Identity Theft Protection service will do this for you on a regular basis.

2. Don’t use an easily guessed PIN number for your debit card or online passwords. Always pick something random, that nobody would be able to logically figure out.

3. Never give out personal information over the phone, or Internet unless you have made sure you are processing a transaction over a secure server. If in question, don’t submit unless you have verified it.

4. If your web browser has a Phishing filter, keep it turned on. Phishing is a website that mimics another website in an attempt to get your personal information. For example, a website may be phishing eBays website so they send you an Email that looks identical to an Email that eBay would send you that says you have a bid on the product you are selling. You then click on the link and it tells you to log in. You enter your information and click Submit. Now that website has your personal information because they made you think you were logging into eBay. An internet Phishing filter will identify these websites for you.

5. Make sure you know when your bills arrive, and read them over carefully to make sure they are not fake and you don’t give out your bank account or credit card information to a thief.

6. Refrain from throwing away documents and receipts out in public. Wait until you get home and shred them.

7. Unless absolutely necessary, never give out your Social Security number. If an agency asks you for it (other than your bank, tax reporting service, employer, etc.), always ask them why they need it and always be cautious.

That concludes my list of 7 things you can do to minimize the chances of falling victim to Identity Theft. It is a sneaky crime that gets more and more complicated as time and technology advances. The only way to ensure you are completely protected, once again, is to sign up for Identity Theft Protection.

Wendy

August 8, 2010

Ways to Get Away From Medical Identity Theft

Filed under: Legal — Tags: , , , , , , , , , , , , , , — admin @ 6:43 pm
Toddy Martin asked:




Medical identity theft not only cost you millions of dollars but will also take away your precious life. Many believe that some employees from the hospital are responsible for this to happen. They steal other people’s file and sell it to prospect buyers. To count out your medical record to be corrupted from these crooks, consider these following steps:

o Check your explanation of benefits: You can do this by reviewing the EOB form being sent to you by your health insurer. In case you have treatments, consultations, and operations which you did not undergo, notify immediately your health provider. This will stop further damage cause by this type of identity theft.

o Audit your insurance benefits: You should request for your listing of benefits given to you under your policy. At least do this once annually. This will give you idea of what to expect in your policy.

o Monitor your medical record: If you suspect you are a victim of medical identity theft, secure a copy of your hospital record from your physician, your pharmacy, and your hospital.

o If you are rejected in your access to your medical file, you may request for help by following the steps in your policy under “notice of privacy practices”. You are entitled to this statement without extra charge.

o Review your credit report with the 3 big companies, Experian, Equifax, and Trans Union. This is to see if someone is causing your record any unwanted change like consultations to doctors, surgeries, and hospitalization which you think is out of your list. Further, it is a good idea to put a fraud alert in your report. This is for the bank and other financial institution to inform you when an individual applies a credit under your name.

o If you discover any errors in your medical file, fix it without postpone. Try to unearth all possible source of the error. Start it with your physician, hospital, laboratory, and your insurance company. Postponing it may make matters worse as it can be considered null and void.

o You can also file for medical identity theft complaint to the Federal Trade Commission. You can call their hotline 1-877 ID THEFT (438-4338). Try to make your sure your complaint enters your record.
Even if people in the hospital are sometimes not trusted for your medical record, consequently, you can take actions to safeguard your hospital files. Regularly monitoring medical reports, medical records, specifically itemized bills and claims are very important moves to escape from the effects of medical identity theft.

Dan

July 27, 2010

IDENTITY THEFT PREVENTION (1of2): info from the Credit Secrets Bible

Filed under: Howto — Tags: , , , , , , , , , , , , , , — admin @ 11:19 pm
CreditSecretsBible asked:


www.CreditRepairPublishing.com IDENTITY THEFT PREVENTION How to prevent ID Theft with nothing but your telephone. Listen. You don’t need identity theft insurance. It’s a joke. Have you ever read the guarantees on those things? Has more holes in it than swiss cheese. All they’re doing is charging you to do what you can do yourself. We’re not talking about you doing your own root canal here. Were talking about making a some phone calls… and then setting a reminder on outlook express to make 1 phone call every 90 days. It’s a joke. You don’t need to pay $150 a year (or more) for Identity Theft Insurance. Well, maybe you do, if you want to support someone in an MLM or Network Marketing Company (maybe). Hey, I’ve bought crazy juices, vitamins even a dumb water filter just to get my friends to quit bugging me about their MLM opportunities before. I admit it! There you go. But when it comes to ID THEFT PREVENTION, that’s different. You can do it better yourself. Just watch BOTH videos parts 1 and 2. Together they are worth a couple hundred bucks. No kidding! Listen. You’re going to learn how to get your credit reports not once a year but twice a year – FOR FREE! Not only that. No one is going to be able to get approved for ANY credit ANYWHERE without the creditor first calling you at the telephone number on your credit report! How you like them apples? and… were just getting started. You’re also going to learn how to protect yourself from all the people (like in hospitals in …

Bobby

July 25, 2010

Identity Theft Protection – Getting the Right Protection

Filed under: Legal — Tags: , , , , , , , , , , , , , , — admin @ 1:20 pm
B. Carson asked:




Shocking statistics are clearly showing that identity theft is on the rise. This crime affected almost 10,000,000 victims in 2008. And this is a 22% increase from the previous year. And 71% of id fraud happens within the week of a persons personal data being stolen. And with this crime being known as the silent crime what can you do to protect yourself?

What a lot of people tend to do when they feel that they might be at risk of this crime is that they believe it is better for them to use their credit ATM card restaurant and pretty stop shopping online with their cards. This is a common misconception for many people that are paranoid about identity theft. Even though there might be some minor risk to using your personal information online, however using your personal information in the restaurant can actually be even more dangerous.

The reason why is because some of the smart thieves target those that works as waiters in restaurants. They offer money to these waiters that work in restaurants in order to collect your personal information. And since in some cases these waiters might often take your card to locations where you might not be able to see them swipe your card they can easily swipe your card twice.

The first swipe is for the transaction for your meal and the second time is on a pocket-sized instrument used to store your personal information onto. This poses quite a major risk personally and financially. So what can you do to safeguard yourself from this problem? What is the best way to protect your personal identity from prying eyes? Some people might resort to shredding documents and they think this is enough to protect themselves.

This is not effective enough especially with the advancement in technology in this day and age. The best way is to get proven guarantee protection from trusted organizations. you will be informed of any sudden changes made on your credit report and as well as any inquires immediately made.

This allows you to stay ahead of the game in the battle against identity theft. At this moment you’re still vulnerable to getting your identity stolen until you take action to protect yourself immediately. The sooner you get yourself protected from this personal crime the better off you will be personally and financially. And the right protection will allow you to sleep easy at night.

Cindy

April 30, 2010

IDENTITY THEFT PREVENTION (2of2): info from the Credit Secrets Bible

Filed under: Howto — Tags: , , , , , , , , , , , , , , — admin @ 5:52 am
CreditSecretsBible asked:


www.CreditRepairPublishing.com IDENTITY THEFT PREVENTION How to prevent ID Theft with nothing but your telephone. Listen. You don’t need identity theft insurance. It’s a joke. Have you ever read the guarantees on those things? Has more holes in it than swiss cheese. All they’re doing is charging you to do what you can do yourself. We’re not talking about you doing your own root canal here. Were talking about making a some phone calls… and then setting a reminder on outlook express to make 1 phone call every 90 days. It’s a joke. You don’t need to pay $150 a year (or more) for Identity Theft Insurance. Well, maybe you do, if you want to support someone in an MLM or Network Marketing Company (maybe). Hey, I’ve bought crazy juices, vitamins even a dumb water filter just to get my friends to quit bugging me about their MLM opportunities before. I admit it! There you go. But when it comes to ID THEFT PREVENTION, that’s different. You can do it better yourself. Just watch BOTH videos parts 1 and 2. Together they are worth a couple hundred bucks. No kidding! Listen. You’re going to learn how to get your credit reports not once a year but twice a year – FOR FREE! Not only that. No one is going to be able to get approved for ANY credit ANYWHERE without the creditor first calling you at the telephone number on your credit report! How you like them apples? and… were just getting started. You’re also going to learn how to protect yourself from all the people (like in hospitals in …

Barry

April 16, 2010

How To Restore Your Credit Card Score After Identity Theft

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 3:33 pm
Wade Robins asked:


Credit card identity theft where your credit card is stolen, your PIN is stolen or someone opens another credit card in your name, can all be particularly damaging to your credit score. Unfortunately a credit score isn’t so easily restored but there are a couple of things you can do to make the best of the situation and restore it as much as possible. In this article we will look at what you should do before and after credit card identity theft in order to best protect and restore your credit score.

The first thing you should do whenever you receive a new credit card is to make photocopies of both sides of the card and file these away in a safe place. This way if your credit card goes missing or you believe it may have been compromised you can immediately put a stop to it.

Regularly request credit reports on your name. These credit reports will show you whether any other credit cards have been opened in your name that you do not know about. The sooner you find out that a card has been opened in your name that is incorrect the sooner you will be able to put a stop to it and prevent any damage from occurring.

Only carry around with you those credit cards that you are going to be using and try to keep a minimum of credit cards.

If you discover that your credit card has gone missing or if there is any chance that your credit card information may have been compromised and used in credit card identity theft then the first thing you should do is to stop the relevant card or cards. Phone the card issuer and let them know that you believe you may have been a victim of credit card identity theft and if they could immediately put a stop to all purchases on the card.

You should also contact one of the credit card bureaus if you believe you have been a victim of credit card identity theft and report the matter to them. They can then put a fraud alert on your credit report which will make it more difficult for anyone to open another account in your name.

File a complaint with the Federal Trade Commission and with the local police station where the ID theft took place and give them a copy of your form from the FTC. For more info see http://www.preventidentitythefthelp.com/Identity_Theft_Protection on identity theft protection.

By following these preventative measures and taking action if you believe you have been a victim of credit card identity theft you will be in a much better place to restore your credit score if anything does happen and will hopefully be able to prevent too much damage taking place from the start.



Curtis

March 9, 2010

How To Protect Your Credit Against Fraud & ID Theft

Filed under: Finance — Tags: , , , , , , , , , , , , , , — admin @ 3:10 am
Suzy Vanstrusen asked:


ght (c) 2009 Suzy Vanstrusen

Consumers are constantly reminded to keep on guard against identity theft and fraud. If you suspect identity theft, you can place your report on fraud alert. This way, when someone tries to open an account under your name, creditors who may inquire about your report will see the alert and contact the owner of the report before approving the application.

Nevertheless, a fraud alert can be ignored. Creditors do sometimes ignore the warnings and approve the application. To provide consumers with a more reliable protection against ID theft, credit freeze was introduced.

Understanding Credit Freeze

What is the difference between a credit freeze and fraud alert? Unlike a fraud alert, a credit freeze blocks new creditors from accessing an individual’s credit report. Not even the owner of the report can take a look into it while it’s on freeze. To make the credit report available for inquiry, the owner must first request for the freeze to be lifted.

Without access to the credit report, no creditor will grant approval for a new credit application. Obviously, if an identity thief attempts to open an account using your name or steal your account information, it will not be possible since no one can access your report.

Be On Guard for More Risks

In what other ways can you protect your identity from fraud? Below are practical tips to help you:

- Be alert when using ATMs. Make sure that no one is looking over your shoulder or standing too close behind you. Do not throw away ATM receipts in the trash.

- Shared important documents before discarding them. Identity thieves also rummage through other people’s trash in search for information. Before throwing your away old billing statements, receipts or old credit cards, shred them first to small pieces.

- Do not write important details on just any sheet of paper. Write your passwords and banking information in a logbook and keep it in a safe storage.

- Request a different credit card number for online use. You can ask your issuer for a different credit card number that you can use for online transactions. This way, you do not have to reveal your banking information online.

- Monitor your accounts regularly. Check all billing statements and notices that your bank sends you. Many credit card companies today provide an online account access option so cardholders can look into their accounts at any time.

- Subscribe to the fraud protection service provided by your issuer. One of the most important provisions that you can get from your credit card company is the fraud protection feature. Be sure that you clearly understand your credit card issuer’s policy on this.

- Check your credit report regularly. If you do found errors, send a dispute letter to the credit bureaus. Point out the errors that you want to be corrected. You can also ask help from a human customer service from any of the three credit bureaus, by visiting gethuman.com for a list of contact numbers.



Wilma

January 27, 2010

Resource Centers For The Victims Of Identity Theft And Fraud

Filed under: Criminal — Tags: , , , , , , , , , , , , , , — admin @ 5:03 am
John Goldman asked:


As there are a number of people who are just looking for a chance to steal your personal and financial information it is no surprise that increasing number of people who are cautious about their personal data have started taking advantage of a local identity theft resource center.

These places might not help you in preventing identity theft but will surely help you report the case to the right authorities to avoid further identity mess up. These identity theft resource centers are places that everyone much consider visiting when you become a victim as identity theft is taking place on a daily basis with several cases.

Why resource centers

If you become a victim of identity theft it can destroy your credit while also causing you a lot of personal difficulties until everything gets placed out the normal way. Therefore going through an identity theft resource center is often recommended so that you there is not further problem created. It is actually very touch to get things back to normal when affected by id theft and these centers are the best sources to avail the right help.

The id theft resource center would also instantly spot the unauthorized activity done over your credit report much faster than you might and you could personally search as they use the most advanced computer technology for id theft research. It is even possible for you to try doing it yourself but it would be difficult to watch your credit reports from different reporting agencies as they are done in the identity theft resource center.

How do you get started

Even though it seems to be a complex system in starting to work with a identity theft resource center it is rather quite simple. You just have to find the nearest local service provider in your locality and just give them a call if you trust them. after they avail all the information needed from about you, there is nothing left for you to worry and you just have to sit back and stay ensured they would get things right.

The resource center would also automatically alert you when they find anything strange in your credit. After it has been determined that a serious id theft has taken place the center would help you in alerting the right authorities so that further action is instantly taken.

You just have to pay them a small amount of monthly fee for the service they provide. This fee is often not very expensive when compared to the problems you face with your identity.

However the amount you are asked to pay would depend on the type of service you choose and the service providing center as some of them might have highly technical equipments to provider better and faster service. Therefore if you suspect of being an identity theft victim make sure you instantly consult an identity theft resource center for comfort and peace of mind when they research about the case and the thief.



Earl

December 3, 2009

How To Monitor Your Credit Inorder To Prevent Theft?

Filed under: Criminal — Tags: , , , , , , , , , , , , , , — admin @ 10:04 am
John Goldman asked:


Identity theft monitoring is a program which help in effectively preventing an incident of identity theft. This monitoring services plays a major role in preventing internet fraud and safeguarding your credit so that you don’t become the next id theft victim. You might know that identity theft has become a huge criminal issue in the world and especially in United States and the need for identity theft protection has become a huge concerning factor.

Therefore there are id theft monitoring services that would keep a watch over your credit. Identity theft mostly occurs when your personal information has been compromised with someone else. In fact this crime generally involves using personal information of the victim to commit frauds and criminal activities.

Protect yourself from id theft

The growing number of identity theft reported every year might no reduce anytime sooner. However there are some useful guidelines which can help you minimize the possible damage through the monitoring services which might occur due to id theft.

Blocking all your disclosed credit cards is the first part of identity theft monitoring services The services monitor your credit report which is necessary to prevent id theft The monitoring services would contact the government agencies which can place a fraud alert on your credit so that no further damage is done.

The id theft monitoring process

Identity theft monitoring services include a particular mechanism which ensures your identity is well protected and away from id theft frauds. There are several measures which can help prevent id theft such as securing your credit card numbers, social security number, bank account information and other personal information. These prevention measures can easily handle fraud and other id theft crimes.

Additionally identity theft monitoring services also includes a careful verification of all your personal accounts which includes all your credit card accounts. However in case id theft occurs it is important all your credit accounts are closed immediately.

Consulting banks and financial institutions is one of the best ways to prevent being an id theft victim. Additionally changing passwords of ATM cards and credit cards would also be another best way to stay away from identity thieves. You should avoid date of birth, parents name and last digit of social security number in your passwords and this can help the monitoring services to safeguard your identity.

Identity theft might also happen for varied reasons and to detect the types of id theft crimes during the initial states and lessen the damages you must be a part of identity theft monitoring services which offers services from all 3 credit bureaus. It might just take a small monthly fee for their services but the id theft monitoring agency would notify you through mail in case of any unusual activity in your credit report. The good thing is that most of these services also come with insurance as the report while some other agencies might offer three in one identity monitoring services which alerts you to any changes in your identity.  

 



Edwin

June 25, 2009

How To Report Identity Theft?

Filed under: Criminal — Tags: , , , , , , , , , , , , , , — admin @ 8:05 am
John Goldman asked:


Identity theft is simple is robbing of ones identity including their name, telephone number, address, credit card info and almost all the personal information. In most of the cases these thieves would not just steal your identity but can also steal properties which are secured on the account of the victim. It can be a serious case and is known as fraud by the FTC.

Anyone can be a victim of this dangerous crime as there are no specific requirements for the theft to take place. Even the small business owners along with college students can be victims of id theft. However in case you have become a victim of id theft it is important that you instantly report identity theft.

Access the damage done

Firstly it is important you don’t panic as it can lead to disconnected actions and thoughts. Before you can do anything, firstly access all the damage being done. Find out why your identity might be stolen, the extend of damage and even the damage is not instantly apparent take a stock of the consequence.

Get ready a list of all the accounts you think are affected and their damages. Check your bank accounts and credits which is generally the first thing id thieves might do. You should also find out if there are any unauthorized transactions done to any of your accounts.

Place a fraud alert

The fraud alert would be a warning placed on all your credit reports so that it warns merchants that criminals might be using these funds fraudulently. The fraud alert must be activated with all the credit reporting agencies. You should also review your credit report by requesting a copy of your credit report when placing the fraud alert. In case you find any discrepancies then make sure you instantly report it to the agencies. Additionally make sure you also close all the accounts which you suspect are already compromised.

File complaint with the FTC

The Federal Trade Commission actually monitors and tracks all the ongoing id theft cases. It is through these cases which patterns are being recognized and the id theft is found. Therefore when you suspect of being an identity theft victim immediately report to the FTC by either calling them or by visiting their online help line website.

Report id theft to your local police department

Make sure you are prepared as it could be a frustrating experience. This is because all the police departments are not good at handling identity theft cases but they can help you with any further problem. You can just file your report at the police station who might further take action by working with the FTC and the credit reporting agencies. You can even provide them the same copy of id theft which you submitted at the FTC. However make sure you retain a copy of the police report with you as it can be one of the most helpful tools when you need to clean up your credit, financial and personal identification.  



Florence

June 23, 2009

IDENTITY THEFT PROTECTION

Filed under: Presentation — Tags: , , , , , , , , , , , , , , — admin @ 12:59 am
Luis Marques asked:


THEFT PROTECTION

Top of Form

Bottom of Form

Identity theft has been defined as ‘the process of using someone else’s personal information for ones own personal gain’. Researchers have been studying identity theft closely since 2004 and release a yearly ‘findings’ report. Their 2009 study reveals that:

· Identity theft is on the rise, affecting almost 10 million victims in 2008 (a 22% increase from 2007)

· Victims are spending less money out of pocket to correct the damage from ID theft. The mean cost per victim is $500, and most victims pay nothing due to zero-liability fraud protection programs offered by their financial institutions.

· 71% of fraud happens within a week of stealing a victim’s personal data.

· Low-tech methods for stealing personal information are still the most popular for identity thieves. Stolen wallets and physical documents accounted for 43% of all identity theft, while online methods accounted for only 11%.

Anyone can become a victim of Identity Theft. It can take just seconds to occur and could take months or years to correct. So, what does all this data translate to for you and me? It means that we need to invest in an Identity Theft Protection program. Pre-Paid Legal\’s Identity Theft ShieldSM is an affordable solution. Your Identity Theft Protection membership will first provide an up-to-date Experian credit report. This report will be reviewed and analyzed to see if any suspicious has already occurred. From that point on your credit is monitored. You will be alerted if new activity is added to your credit report. If the activity is not initiated by you, it can point to identity theft.

Your coverage begins as soon as your application is completed. The application process takes just a few minutes to complete, and the Identity Theft Protection program really doesn’t cost that much. Especially considering what you are protecting. Everyone needs protection from identity theft. It doesn’t matter who you are, where you live or what your profession is, everyone is at risk for identity theft. Even your minor children are at risk for this devastating and financially debilitation crime. So PrePaid Legal.com even has program for minor children called SAFEGUARD For Minors.

To take your first step in protecting your future credit and to start the identity theft protection, visit the website www.prepaidlegal.com/info/luismarques. Then click on the Identity Theft Shield link. There you will find all the information you will need to determine which program is best suited for your Identity Theft Protection needs.

For more information on Identity Theft Protection, please visit www.prepaidlegal.com/info/luismarques

Jeremy

May 15, 2009

Recovery and Redemption: Identity Theft Disaster Averted

Filed under: Security — Tags: , , , , , , , , , , , , , , — admin @ 8:08 am
Vijayanand asked:


Mike was like millions of Americans. He worked hard, was cautious with his spending and even paid off his credit card each month. He thought he was doing everything right. Then, something unexpected happened. He started getting calls from collection agencies. They were collecting on credit cards and other lines of credit Mike never opened. Mike had been the victim of ID theft.

Things went down hill fast for Mike’s credit. He quickly realized that there were several credit cards opened in his name fraudulently, and each one had overdue balances of thousands of dollars. Those balances had been festering on Mike’s credit report for months without his knowledge causing Mike’s credit rating to plummet to an abysmal 530.

This low credit rating affected Mike in numerous ways. He needed a new car, but was unable to get approval for a car loan. His oldest son was heading to college, but the school loans Mike applied for were rejected. Even Mike’s insurance premiums went up as a result of his low credit score. Mike knew he needed to do something fast.

Mike quickly discovered that the task of restoring his credit and good name was not as simple as he thought it would be. He would have to contact all of the credit agencies, place fraud alerts on his credit and investigate where else his identity had been compromised among other things. Where was Mike going to find the time to do all of these things? He worked full time and had a family to think about. Mike felt like he was caught in an impossible situation. In the end, it took Mike hundreds of hours to restore his credit rating and correct the errors on his credit report.

Once his credit was back to normal, Mike was determined never to allow such a thing to happen to him again. Mike had a friend who had gone through a similar experience just a year before. He recommended ID TheftSmart to Mike. ID TheftSmart is an Identity Theft Prevention and restoration service offered by Comodo, an innovative identity and trust assurance company. If Mike had already had ID TheftSmart program when he was victimized, his pre-theft credit status would have been restored without having to sacrifice hundreds of hours of his time.

To Mike’s surprise, he found that the licensed investigators at Comodo were prepared to do the lion’s share of the work to restore their client’s damaged credit. They work with the credit agencies to correct the issues on a credit report, place fraud alerts and investigate other issues related to ID Theft like criminal records, fraudulent check activity and other fraudulent uses of a social security number. Some of these issues Mike had not even considered when working to restore his damaged credit.

Mike decided to use the ID TheftSmart program to protect himself from future assaults on his credit, and you can do the same. The ID TheftSmart program monitors your credit on an ongoing basis so that you don’t have to go through the same ordeal Mike did. ID TheftSmart will alert you whenever someone tries to open a line of credit in your name. If your credit is compromised, the Identity Fraud Restoration services do most of the work to resolve your identity theft issues.



Nathaniel
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