Early warning system:
USA ID Recovery utilizes PrivacyMaxx technology to provide you this valuable Identity protection. PrivacyMaxx technology provides multiple layers of pro-active identity theft protection that can help save your identity before you become a victim through its proprietary monitoring system.
The service works with the latest internet crawling and monitoring technologies, private and public security professionals and law enforcement agents to identify new black market internet sites. The service uses industry standard encryption and security processes to maintain data security and monitoring reliability. Premium Internet Monitoring and Public/Private Database Address Monitoring.
The Black Market Internet Monitoring Service proactively scans for sensitive personal information that is sold and traded on black market internet sites and chat rooms. The service includes monitoring for credit card and debit card numbers, bank account numbers, social security numbers, driver’s licenses numbers, telephone numbers, email addresses, and other sensitive information. The Public/Private Database Address Monitoring looks for changes to your personal information in public and private databases that could provide an early warning of an identity theft in progress. No monitoring can detect all identity theft.
Restoration - A step-by-step manual detailing the resolution process and guidance for avoiding future complications. You may also choose the option of a unique Identity Restoration Service that will take over the identity recovery process. We give consumers the option to manage this process themselves or to have us do it for them with their assistance-further minimizing the hassle involved. This time consuming process typically requires the assistance and expense of an attorney. By assuming and reorganizing the recovery process on your behalf, You can save time, money as well as the hassle and headaches associated with clearing and restoring your identity.
Lost Wallet Service
Lose your wallet or purse? The Lost Wallet Service allows you to store critical financial information securely, and contact critical financial centers quickly after a loss to prevent criminals from stealing your money
Victim Assistance - A toll-free, victim assistance number providing access to trained specialists for:
- Support in notifying credit bureaus, creditors, financial institutions, law enforcement officers, utility providers and merchants
- Information collection regarding misuse of your accounts when appropriate
- Creation and maintenance of a case file documenting fraudulent activity
We will give you expertise, assistance and most importantly, control of your identity. Identity theft goes well beyond an invasion of privacy. It can burden you with lasting credit problems and legal fees that may take years to resolve. Our identity theft recovery package puts you in control of your identity. By guiding you through identity recovery, we will help you regain your privacy while minimizing risk and loss
$25,000.00 Expense Reimbursement
Coverage Limit: $25,000 on the membership program. Deductible: $0
Depending on if you are enrolled in an individual or family plan, coverage may be available to you, your spouse, qualified domestic partner, children under the age of 23 who permanently live in the same residence. Identity theft victims may be reimbursed under the policy for the following reasonable and necessary costs incurred by the insured as a result of a stolen identity event according to all policy rules and limits: Lost wages as a result of time taken off from work to deal with the fraud - up to $1,500.00 per week for up to five weeks. Notary and postage charges incurred by the insured in order to report a stolen identity event and/or amend or rectify records as to the insured's true name or identity: Costs of re-filing rejection applications for loans, grants or other credit instruments, Costs for up to six credit reports from established credit bureaus (with no more than two reports from any one individual credit bureau), Costs approved by AIG, for providing periodic reports on changes to, and inquiries about the information contained in the insured's credit reports or public databases (including, but not limited to credit monitoring services), Costs of travel within the United States incurred as a result of the insured's efforts to amend or rectify records as to the insured's true name and identity, Long distance telephone charges for calling merchants, law enforcement agencies or credit grantors to discuss an actual identity theft, Reasonable and Necessary attorney’s fees and expenses incurred with AIG's consent for an attorney approved by AIG including: An initial consultation with a lawyer to determine the severity of and appropriate response to a stolen identity event, Defending any suit brought against the insured by a creditor, collection agency or other entity acting on behalf of a creditor for non-payment for goods or services or default on a loan solely as a result of a stolen identity event, Removing any civil judgment wrongfully entered against the insured solely as a result of a stolen identity event, Defending criminal charges brought against the insured as a result of a stolen identity event; provided, however, AIG will only pay criminal defense related fees and expenses after it has been established that the insured was not in fact the perpetrator,. Approved costs for Elder Care and Child Care up to $1,000.00.
A security freeze prevents a credit reporting agency from releasing your credit report information without your consent. You have the right to place a security freeze on your credit report either under state law, or through a voluntary agreement with the three major credit reporting agencies (TransUnion, Equifax, and Experien). Residents in all 50 states can currently request a security freeze to their credit report. You must freeze your credit report individually at each of the three major credit reporting agencies.
How does a Security Freeze Work?
When you have implemented a security freeze, a credit bureau cannot release your credit report until you unfreeze your credit report. Remember, this means that no one will have access to your credit report, even if you are applying for a new home mortgage loan or credit card. You must unfreeze your credit report each time you allow a creditor to view your credit report. This process of freezing and unfreezing can become quite cumbersome and tedious if you frequently apply for new credit cards, a new cell phone plan, or other offers that require a check of your credit report. A security freeze should be used in cases where you have a strong suspicion that you will, or have already become the victim of identity theft.
How Much Does a Security Freeze Cost?
A security freeze is free in most states if you have been a victim of identity theft and have an identity theft report from a local, state or federal law enforcement agency. Prices for implementing a security freeze without being a victim of identity theft vary from state to state. In states that do not have laws requiring more favorable pricing, the cost is usually $10 to apply a credit freeze. Similarly, the cost to unfreeze a credit report can be as high as $10 each time you choose to unfreeze your report. To more accurately gauge the cost of freezing or unfreezing a credit report in your state visit the three major credit bureaus security freeze centers below.
TransUnion Security Freeze Fee Information
Equifax Security Freeze Fee Information
Experian Security Freeze Fee Information
How Can I Implement a Security Freeze?
To implement a security freeze on your credit profile you must visit each of the three major credit reporting agency websites individually, or write them via postal mail and include certain documents. Choose one of the following options below to implement a security freeze.
Option 1 – Apply a Security Freeze Online
Credit BureauSecurity Freeze Website TransUnionhttps://annualcreditreport.transunion.com/fa/securityFreeze/landing Experianhttp://www.experian.com/freeze Equifaxhttps://www.freeze.equifax.com
Option 2 – Apply a Security Freeze via Postal Mail
Credit BureauSecurity Freeze Address TransUnionP.O. Box 6790 Fullerton, CA 92834-6790 ExperianP.O. Box 9554 Allen, TX 75013 EquifaxP.O. BOX 105788 Atlanta, GA 30348
Before mailing your information, it is a good idea to contact each of the credit bureaus at the websites above to make sure you are the submitting the proper information according to the requirements of your specific state. In general, you should plan on:
Sending a letter by certified mail
Providing your full name (including middle initial as well as Jr., Sr., II, III, etc.,) address, Social Security number, and date of birth
If you have moved in the past 5 years, supply the addresses where you have lived over the prior 5 years.
Providing proof of current address such as a current utility bill or phone bill
Sending a photocopy of a government issued identification card (state driver's license or ID card, military identification, etc.
The Medical Information Bureau (known as the MIB), is a non-profit association of insurers in the life and health insurance business. The MIB is governed by the Fair Credit Reporting Act, which means you have several rights as a credit user and consumer. The MIB stores certain information about you that you may have provided when you have applied for insurance in the past. With your consent, future insurance applications you submit could allow insurance companies to access your profile with the MIB, in order to compare the information you submit, with your information on file at the MIB.
The MIB stores coded information indicating conditions that may affect a person's health or longevity. Approximately 230 medical conditions are reported to MIB, such as obesity, hereditary diseases, and hazardous sports you may participate in. You may have an MIB profile if you have applied for individually underwritten health, life, or disability income insurance in the past seven years. Not all insurance companies use the MIB to report your application information.
Accessing your MIB profile is free and provided under requirement within the Fair Credit Reporting Act. Over 100,000 people request their MIB profile each year. According to MIB statistics, only 20% of insurance applicants actually have an MIB profile. So don't be surprised if you do not have an MIB profile.