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IS IT IDENTITY THEFT OR IDENTITY FRAUD?
This can often be confusing. Especially when you think you've been the victim of Identity Theft but the institution you are dealing with is calling it Identity Fraud or something else. Don't be alarmed, there are many different terms used to describe the crime of Identity Theft. Depending on whom you talk to and/or what instrument was used to perpetrate the fraud, Identity theft could be referred to as any of the following: ID Theft, Identity Fraud, Bank Fraud, Account Takeover, Credit Card Fraud, Criminal Identity Theft, Check Fraud, New Account Fraud, or Wire Fraud. Although different institutions, companies or agencies may use these terms, do not be confused. The crime is still Identity Theft!
According to the FBI, anyone can fall victim to this crime because personal information is so readily available through new technology in recent years. A recent General Accounting Office report shows that almost a Million Americans fall victim to identity theft every year. And that statistic is likely rather low. Some victims don't know they're being taken while others are too embarrassed to do anything about it.
Although this crime is committed in many forms such as credit card number fraud, social security number theft and other similar methods, the unsuspecting victims pay a high price to regain their identity and repair the damage. Identity theft can take up to 2 years to discover and 2 years to resolve. In fact, you could be a victim right now and not know. Victims spend literally 24 months and sometimes more than $2,200 just to restore their credit rating after the theft has occurred.
HOW CAN SOMEONE STEAL YOUR IDENTITY?
By co-opting your name, Social Security number, credit card number, or some other piece of your personal information for their own use. In short, identity theft occurs when someone appropriates your personal information without your knowledge to commit fraud or theft.
Here are some ways that identity thieves work:
In Identity-theft cases, the victim often has to prove his or her innocence. This shocks most new identity-theft victims. They naturally expect the police, the credit grantors, the credit-reporting agencies and others in high places to help them. Maybe it should be that way…but often it isn't.
IDENTITY THEFT PROTECTION AND RESTORATION PROVIDED BY KROLL, INC. NOW OFFERED EXCLUSIVELY TO INDIVIDUALS BY PRE-PAID LEGAL SERVICES, INC.
With Identity Theft being the fastest growing crime in North America, the ever increasing need for Identity Theft Protection and Restoration has never been greater than it is today. Identity theft benefits by Kroll Background America Inc., a subsidiary of Kroll Inc, are now for the first time available to individuals exclusively through Pre-Paid Legal Services, Inc.
By adding the new Identity Theft Shield service to a family membership, Pre-Paid Legal Services members will have toll free access to the identity theft specialists at Kroll. This new benefit is immediately available for $9.95 per month in approximately 20 states and will be offered in additional states pending regulatory approval, as an added benefit to the Pre-Paid Legal family plan membership.
The identity theft related benefits include a credit report and related instructional guide, a credit score and related instructional guide, credit report monitoring with daily online and monthly offline notification of any changes in credit information, up to $25,000 in credit restoration expense reimbursement insurance and comprehensive identity theft restoration services.
"We believe Kroll brings to the table the very best, most comprehensive identity theft solution benefits available in the marketplace," said Pre-Paid Chairman Harland Stonecipher. "We see this new relationship as a combination of the best in legal service benefits with the best in identity theft solutions."
"We are delighted to partner with Pre-Paid Legal Services to offer their clients high-quality, cost-effective access to identity theft related benefits through Kroll's fraud experts," said Troy D. Allen, vice president of Kroll Background America Inc. "Now, through Pre-Paid, middle-income families have yet another valuable product to help achieve greater financial security and piece of mind."
"Anyone that has been through the nightmare of Identity Theft will tell you that this new service is ‘cheap insurance’ that just makes good sense considering the extreme burden of restoring your identity and credit, especially in today's ever increasing threat through technology" said Dora J. Shreffler, Pre-Paid Legal Services, Inc Independent Associate. "If your car broken into, you know it right away and the crime is over, but with Identity Theft, you don't know until it is too late and even when you do finally discover the crime, it is very difficult to put a stop to it. Then the real burden becomes the time and expense of repairing your credit and recovering your Identity."
LET US HELP YOU BEFORE IT'S TOO LATE!
Kroll Inc. (Nasdaq: KROL), the world's leading independent risk consulting company, provides a broad range of investigative, intelligence, financial, security, and technology services to help clients reduce risks, solve problems and capitalize on opportunities. Headquartered in New York with more than 60 offices on six continents, Kroll has a multidisciplinary corps of more than 2,200 employees and serves a global clientele of law firms, financial institutions, corporations, non-profit institutions, government agencies and individuals. Based in Nashville, Tenn., Kroll's Background Screening Group provides employee and vendor background investigations, substance abuse testing, disability claims integrity programs, and identity theft solutions. For more information, visit www.krollworldwide.com.
About Pre-Paid Legal
Pre-Paid Legal Services, Inc. develops and markets legal service plans across North America. The plans provide for legal service benefits, including unlimited attorney consultation, will preparation, traffic violation defense, automobile-related criminal charges defense, letter writing, document preparation and review and a general trial defense benefit. More information can be located below.
No Long Term Contracts - No Hidden Fees
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You can get all of these situations resolved for only pennies a day by some of the best attorneys in the country. Why wait until it is too late and have to pay as much as $200 to $300 per hour. Get the same first-class service by the same top-rated attorneys.
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