Identity theft is the
fastest growing financial crime in America ... striking thousands of
victims each year. In a matter of seconds, personal
information such as a social security number, credit card number
and/or an address can be stolen and used to obtain a new mortgage,
line of credit or additional credit cards.
Victims may never know that their identities have been stolen until
unauthorized transactions appear on credit card statements,
collection notices appear in the mail or loan applications have been
declined. In a short period of time, extensive damage can be
done as a result of a stolen identity event.
Restoring one's name and good credit is a time consuming and
expensive process. On average, it takes six months to detect
identity theft and about 200 hours to recover from the crime.
Victims must endure a number of costly steps to dispute fraudulent
debts land accounts opened by an identity thief.
Our program helps
prevent identity theft, and provides comprehensive, paralegal
assisted restoration in the event a theft occurs.
Keylogging Defense System™
Defense System™ eliminates online identity theft by encrypting
every keystroke at the keyboard level and then reroutes those
encrypted keystrokes directly to your browser. Our Keylogging
Defense System™ bypasses the multiple communication areas that
are normally vulnerable to keylogging attacks that could
compromise your vital information.
With our defense
system, members can now E-mail, access critical business
applications, browse, shop and bank with confidence knowing that
each and every keystroke is encrypted and not being transmitted
to an awaiting Identity Thief.
Monitoring does much more than monitor credit, offering a
solution as robust as the ones used by the nation’s leading
financial institutions to prevent theft. Identity Monitoring
uses innovative technology to detect misuse or even an elevated
likelihood for misuse of an individual’s Social Security number,
name, address, phone, and date of birth. By creating a SNAPD
identity blueprint, this program monitors billions of data on a
daily basis from sources such as:
Identity Theft Restoration
alerts with major credit reporting agencies
with affected agencies, creditors, financial institutions
send documentation to state agencies, financial institutions
mail “Fraud Packet” via certified mail
restoration of identity to its pre-theft state
Lost and/or Stolen Credit
reports from each of the three major credit bureaus
affected credit cards and request new cards
ID monitoring for 6 months to help prevent further fraud
Identity Theft Insurance
Each member is
provided with $25,000 worth of Identity Theft Insurance*. This
coverage will help offset some of the costs of restoring their
identity to its original status.
Insurance is not available in NY. Identity Theft Insurance is
underwritten by a nationally recognized Insurance carrier with
an “A” or better AM Best Rating. Contact Legal Club of America
for more details. Restoration and Lost Credit Card Services are
available to members and their eligible dependents. Insurance
coverage and Identity Monitoring is limited only to the member.