Think you don’t need identity theft resolution coverage?
Think again.
If you’re like many consumers, you may have asked this question:
“Doesn’t my financial institution already protect me?”
Maybe not. Most financial institutions will correct only the problems that occur within their own accounts, and only after you prove the transaction isn’t yours. They offer no help in conducting the research or resolving other acts committed in your name.
Contact your financial institution to see if it offers ID ReclaimSM — and learn how you and your family can have peace of mind when it comes to identity theft recovery.
How ID Reclaim Recovery Works
When it comes to identity theft recovery, most providers offer an “assisted” service you can purchase that provides you with a packet of forms and help via telephone — but you, the consumer, still do all the work.According to the 2008 Identity Fraud Survey Report (Javelin, 2008), the average person spends more than 49 hours trying to restore his or her identity.
With ID Reclaim, you don’t need to worry. Once you authorize the limited power of attorney, your personal recovery advocate will do all the legwork on your behalf — based on a plan you approve — and will report on progress along the way. Your personal advocate will be there for you until your identity is restored as closely as possible to its pre-theft status.
Through your financial institution, you may be eligible for the ID Reclaim Basic program, which covers you as the primary account holder as a free service. Or, ask your financial institution about ID Reclaim Family, an expanded plan that protects you, your spouse or domestic partner, dependents up to age 25, and parents with the same permanent address as yours (or parents who may be in assisted living, a nursing home, hospice or deceased less than 12 months) — all for one low price, conveniently deducted from your financial institution account on a monthly basis.
ID Reclaim Plus provides the added protection of preventive credit monitoring for a low monthly fee, conveniently deducted from your financial institution account. By registering through a secure website, ID Reclaim Plus offers these benefits:
- Daily monitoring of your credit
- E-mail alerts of new activity
- Online access to your profile and account status
If your financial institution already provides ID Reclaim Plus, act now to activate monitoring for your credit — and be warned if someone is using your identity.
Click here for more information about consumer benefits of the ID Reclaim program.