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Identity Theft, Are You Protected?

ID insurance? Who needs this stuff?

By Pat Regnier, MONEY Magazine. Additional reporting by Amanda Gengler.

NEW YORK (MONEY Magazine) - Scared by all the doom-saying from security experts and the identity theft stories in the news? Well, don't lose sight of your common sense. Below are some of the services you could buy .

ID Theft Protection and Restoration Plan! Get regular monitoring of your credit report and let the proven leaders in the identity restoration and legal services fields assist you.

Should you buy it? Only if your time is literally money. If you run a small business or bill by the hour, for example, coverage for lost wages may be helpful.

CREDIT MONITORING It scans your files at one of the three major credit reporting agencies and alerts you to changes. New addresses, inquiries or accounts in your name may be a red flag that an evil twin is out there.

How much: $12.95 a month and covers you and your spouse

Should you buy it? Its not if you become a victum, it is when, You have medical insurance for when you get sick, not if you get sick. Why not have the peace of mind knowing you are protected and have a plan in place to notify you and "restore" your identity

According to John Gardner, co-author of

Chicken Soup for the Entrepreneurial Soul,

“The damages are devastating to any people.”

There are many problems related to people’s identities that don’t deal with credit issues. Contrary to popular belief, only 26% of identity theft issues relate to credit issues. The other 74% of the issues, according to Gardner, are related to the following four areas:

Someone stealing your DMV record. Example: An identity thief wants to drive under your employee’s name instead of theirs. This will help the Identity Thief to not get caught in cases of DUI, unpaid speeding tickets, etc. Your employee is then blamed for their driving record.
Someone stealing your MIB record. This is your Medical Information Bureau Record. Example: An Identity Thief wants to have an AIDS test done in your employee’s name, rather than theirs, or have their prescriptions filled using your employee’s Medicaid or Medicare benefits
Someone stealing your character identity to commit a crime in your name. Imagine this – your future employee comes to your child care facility, and everything sounds good about this candidate. However, you run a criminal background check, and find out that they have three arrests for child pornography and one for drug trafficking to minors. You bring the record to their attention, and they insist it’s not them.

Call your bank and/or credit card company?
Contact the three major credit repositories?
Go through the helpful but expensive steps recommended by the Federal Trade Commission in its 30-page consumer support publication?
Fill out and submit the affidavit form supplied by the FTC to dispute new, unauthorized accounts?
Spend on average $1,200 in out-of-pocket expenses and an average of 175 hours in your efforts to resolve the many problems caused by identity thieves?

OR, with the Identity Theft Shield^SM:

Get regular monitoring of your credit report and let the proven leaders in the identity restoration and legal services fields assist you.

It's no secret: Identity theft is a major problem in America.
Think you're not at risk? Unfortunately you are.

Do you hand your credit card to servers at restaurants?
Do you sign your credit cards?
Do you supply personal information over the Internet?
Do you keep your Social Security number in your wallet or purse?
Do you leave mail at your home or business for the postal carrier to collect?
Do you shred unwanted mail with personal information?

Pre-Paid Legal Services^®, Inc.
With more than 35 years of providing legal rights protection to over 1.5 million families, PPLSI is a pioneer of the prepaid legal concept in North America.

Contact me now to find out how you can protect yourself and your family today. 865-694-1682

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