Identity theft protection â insurance for your identity, portion three

identity theft is a really real threat in our society. Undoubtedly, you have read the staggering statistics about this new threat. Whether or not those facts do not make you step back a valuate your current insurance program, i don’t recognise what will. As i have spoken to innumerable individuals about this new threat, i have been astonished at the common attitude that exists. Everybody believes that it can not take place to them. My aim in writing this series on identity theft was to show those same individuals that, “yes”, identity theft may take place to you! Let’s begin with a series of questions i would like for you to ask yourself (and be honest).

• have you ever applied a credit or debit card?

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• do you sign the back of your credit or debit card?

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• have you ever supplied personal info thru the net?

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• do you keep your social security number in your wallet?

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• received mail in your personal mailbox?

if you answer “yes” to any of these questions (by the way, there are hundreds of questions exactly like this that i could add to the list), then you could be a possible target.

if you have read part one and part two of this series, you have seen a good deal of primary steps or precautions you may take to support stop id theft. You have similarly seen the financial affect that an id theft may have on you, not to relate to the quantity of time an these thefts may cost you. Hopefully, you will understand that you better treat your identity the same way you treat your other major sum totals (home, car, life) and search for a good “insurance policy”.

the fact is that the individuals who look to steal identities, are innumerable steps in front of any “identity theft programs” available. You have undoubtedly heard innumerable advertisements for various identity theft solutions. These solutions tend to portray themselves as stopping identity theft. The fine print, nevertheless, lets you recognise that no system is 100% effective. Most solutions implicate placing a “freeze” on your credit account (which is a thing you could do yourself at no charge). More importantly, the huge majority of these solutions only deal with id theft involving “finances”.

as you have hopefully learned by now, identity theft involves more than just financial theft. The most advertised solutions do not one thing to support with the other forms of id theft. The premise behind these solutions is for them to plainly stop identity theft. Again, no solution may guarantee this. Whether or not i were to design an identity theft solution there are certain things that i would want to have.

• identity monitoring (credit monitoring, social security number monitoring, drivers license monitoring)

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• dedicated identity restoration specialist

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• service that takes the restoration out of my hands

in a nutshell, i want a service that will monitor everything that deals with my identity and alert me when something distrustful happens. Will have to we determine that someone has stolen my identity, or is attempting to steal my identity, then i plainly say “go get ‘em and call me when you are done”.

unfortunately, after reviewing innumerable identity theft solutions, it seems that the majority of the solutions offer band-aids. I found two solutions that best fit my criteria for an identity theft solution:

1. IDwatchdog

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2. Identity Theft Shield

while both solutions act in a similar fashion, i do lean more toward the identity theft shield. The main reason is similar to how i choose any other insurance supplier. I look at the track record. The identity theft shield is a solution from kroll, inc. Kroll is the leading danger management firm on the planet. As a matter of fact, they’re the organisation that was applied to record the financial records of saddam hussein. The solution is marketed by pre-remunerated legal services. While there are a good deal of individuals who look down upon pre-remunerated legal, whether or not you do your research, you will see that they have been in business over 30 years.

protecting your identity should be a major concern. The threat is real. There are steps that you may take to diminish your magnification, but you better gravely look at purchasing an insurance policy for your identity.