Frequently Asked Questions

Identity theft can be a particularly sinister theft. Often, its victims are not even aware of the crime until much time has passed. Victims of identity theft must work to repair their credit, reinstate their good name and try to rebuild their reputation. The process can be frustrating and arduous. This is one of the reasons why so many consumers turn to identity theft-prevention services; these professionals monitor your identity 24 hours a day, 365 days a year and back up the protection with $1 million in assistance should a thief make it past their services. To learn more about identity theft and identity theft protection, read below for some popular identity theft Q&A.

What is identity theft

Identity theft happens when someone takes your personal information such as your name, bank account number, credit account number or Social Security number, and uses it against your will to commit fraud or another crime. Typically, identity thieves use your information to apply for credit accounts, and rack up enormous debts in your name without your knowledge. Often, identity theft victims are unaware of the theft, and do not realize it has occurred until it is too late and their credit scores are ruined. This is one of the reasons why so many consumers seek the counsel of an identity theft prevention service.

How can identity theft hurt me?

Consumers spend years building strong credit records and establishing themselves as responsible members of the community. Those with good credit scores enjoy preferable loan programs and interest rates. And those people are also excellent targets for identity thieves. If someone steals your identity, that thief can gradually ruin your credit rating and can make it nearly impossible for you to get approved for a home or car loan. Plus, you will have to go through the effort of working with the police and credit bureaus to stop the theft and gradually improve your credit score.

What will an identity theft prevention service do for me?

By using an identity theft prevention service, you will enlist the expertise of a third party whose entire mission is to protect your identity. This service works 24 hours a day, every day of the year, and will monitor every inquiry into your credit rating and will put forth actions that will keep your sensitive information secure. Even better, should a thief manage to succeed, your identity theft prevention service will cover all costs associated with repairing your credit up to $1 million. For a small monthly fee, consumers receive complete service and protection - and the security that comes from knowing a thief can't easily take advantage of them.

How common is identity theft?

Identity theft is much more common than you might imagine. According to the Federal Trade Commission, 9 million Americans have their identity stolen each year. This is one of the reasons why identity theft prevention services have become so valuable to consumers. Victims are located on every street in the nation; make sure you're protected.