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    Using An Outside Party For Protection

    There a lot of ways you can protect YOURSELF from identity theft, but it sure would be nice if someone else would do it for you. Many financial institutions are offering this protection to their customers, and there are some companies who will help you – but much of the time, protection will be for a fee.

    Most of the identity theft plans being offered by a growing number of financial institutions will reimburse customers for out-of-pocket expenses up to a certain dollar amount and help them through the process of contacting creditors, writing affidavits and filing reports.

    Paid plans are usually low-cost – around $3-10 per month and provide a certain amount of coverage up to a specific dollar amount. This is done in the form of an insurance policy against loss from identity theft. For example, one company’s identity theft plan costs $10 per month and gives coverage for losses up to $15,000.

    They will also give customers a copy of their credit report, monitor the customer’s credit at the three major credit report agencies daily and issue a report of any changes or possible problems.

    These plans also often offer up access to some consumer education plans to help them clear up any problems and prevent identity theft from occurring.

    While this all might sound like a stellar idea, many consumer advocates view these plans with a wary eye. Why?

    This insurance runs the risk of giving consumers a false sense of security. You still need to monitor your credit reports and your bank statements. Debit card problems only show up on bank statements. Not credit reports. If there’s a problem in your bank accounts, you will probably need to be the one to find it. These types of plans don’t do it for you.

    If you do take advantage of one of these programs, make sure they will be checking all three reporting agencies all the time. Often, they will check with the first three the first time then monitor only one or two thereafter

    So how will you know if this type of insurance plan is for you? It’s a personal decision as to whether or not you think you need it. Just remember that having the plan doesn’t guarantee you against identity theft.

    The FTC says that most identity theft is done by people who have a legitimate reason to see your personal information like health insurance processors, car rental places, and employers.

    It's important to keep in mind that this insurance only covers identity theft involving credit fraud. These polices won't help if someone uses your name when they're getting a traffic ticket or has taken over your identity and owes taxes in your name or worse!

    We promised you a chapter on all the contact information you’ll need. That’s up next!

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    Related Articles:

    Identity Theft / Stopping Debt Collectors
    Identity Theft / How Do You Know You’Re A Victim?
    Identity Theft / Fraudulent New Accounts
    Identity Theft / How Do I Prove My Identity?
    Identity Theft / Mail Theft
    Identity Theft / What Is Identity Theft?
    Identity Theft / Criminal Violations
    Identity Theft / Important Contact Information
    Identity Theft / How They Get Your Information?
    Identity Theft / Fixing Your Credit Record
    Identity Theft / How to Protect Your Social Security Number?
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    Identity Theft / Introduction To Identity Theft
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    Also In This Category:

    Identity Theft
    - The Invalid Social Security Numbers
    - Important Contact Information
    - Fraudulent New Accounts
    - Getting a New Social Security Number
    - Criminal Violations
    - How to Protect Your Social Security Number?
    - Index of Valid Social Security Numbers
    - Correcting Your Credit Report
    - How Do I Prove My Identity?
    - Mail Theft
    - Sample Blocking Letter For Credit Agencies
    - Conclusion - Identity Theft
    - Bank Accounts And Electronic Withdrawls
    - Social Security Number: How Secure Is It?
    - What Is Identity Theft?

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