Answers about the plan, including eligibility, options, enrollment, customer service and more.
If I already know I've had an ID Theft incident can I still enroll and have the incident covered?
No, if either the victim had knowledge of, or reasonably should have had knowledge of, the pre-existing stolen identity event based on information provided to them prior to enrollment in the program, such an event or the consequences caused by it are not covered.
If I leave the company can I continue my coverage?
Yes, your ID Theft coverage is portable and upon notification of the termination of employment an invoice will be sent to the participants home to continue the ID Theft coverage.
How do identity thieves steal my personal information?
Identity thieves access your personal information in a number of traditional ways, such as stealing mail, rummaging through trash, or stealing a wallet or purse. But some identity thieves access personal information you share on the internet by hacking into databases or email accounts, or posing as a company you do business with - informing you that there is a problem with your account.
If it could take months to restore my identity, do I have to maintain my membership with my employer throughout the restoration period?
Yes, membership must be maintained throughout the restoration period.
How long does identity restoration take?
Identity restoration can take anywhere from a few months to a year or more, depending on how extensive the identity fraud is and how in-depth our investigators must go to get it corrected. Your case isn't closed until your restoration is complete to your satisfaction and we receive verification that your issue is resolved.
How do I enroll in ID TheftSmart?
Becoming an ID TheftSmart member is easy. Simply click on the "Enroll Now" button and complete the online enrollment form. Your ID TheftSmart membership begins the date your online application is processed. You'll receive a welcome letter which will include additional information about your program.
To activate your credit monitoring and credit report service you must visit the website provided on your welcome letter.
What is ID TheftSmart?
ID TheftSmart provides unlimited consultation and comprehensive identity restoration in addition to continuous credit monitoring to safeguard your identity.
How do they use the personal information they steal?
In most cases, the goal of identity theft is financial gain. It’s common for an identity thief to call a credit card company and ask that the mailing address be changed. They run up charges on the account, and then have the bill sent to another address so you don't know it's happening. Another tactic is to take out a loan or open a new credit card or bank account using your name, date of birth, and Social Security number. In such cases, creditors think they’re dealing with you.
Still others may use your identity to gain employment, file for fraudulent health benefits or a tax refund, or commit other types of criminal activity.
How do I know if I'm a victim of identity theft?
The truth is, without continuous monitoring and vigilance, it's not always easy to tell. In many instances, it can be years before people realize their identity has been stolen. The best way to learn of identity theft is to monitor your financial records and make sure they're accurate. Obtaining updated credit reports and credit scores is also important. Unfortunately, today’s hectic schedules mean most people don’t invest the time to do this on a regular basis.
Why would I want to become an ID TheftSmart member?
In the past year alone, more than 15 million Americans were victims of identity theft. According to the Bureau of Justice Statistics, nearly one-third of identity theft victims spent a month or more resolving related issues; more than one-third reported moderate or severe emotional distress as a result of identity theft. Attempting to resolve identity fraud issues on your own can be complicated and overwhelming, and it's hard to know ALL the steps you need to take.
ID TheftSmart provides full-service identity restoration in the event your identity is ever stolen. While others may hand you a do-it-yourself kit with phone numbers or information on how to issue a fraud alert, our licensed investigators do the bulk of the work for you, saving you countless hours of time and frustration — not to mention keeping your out-of-pocket costs to a minimum.
Does ID TheftSmart prevent identity theft?
No identity theft program or service can guarantee you'll never be a victim of identity theft. What ID TheftSmart can deliver is continuous credit monitoring that alerts you as soon as there is questionable credit activity in your name, such as applying for a new credit card or loan, a change of address, etc. The earlier you discover suspicious activity, the less damage the identity thief can do. With many plans you'll also receive an up-to-date credit report and credit score with detailed analysis at no extra charge.
What are non-credit searches and why are they important?
If your identity is ever stolen, the impact may be more far-reaching than you ever imagined — from unwelcome additions to your driving record to criminal activity conducted in your name. Most victims of identity theft have no idea these things are even occurring, let alone how to go about getting them corrected.
As part of our restoration services, ID TheftSmart searches applicable local and national databases, including sources known primarily to the investigative community, on your behalf. We then work with the affected agencies and institutions to help correct all credit and non-credit issues related to identity theft.
How does ID TheftSmart identity restoration work?
If you suspect you've become a victim of identity theft, simply call the toll-free number on your ID TheftSmart membership card. Our professional licensed investigators will do most of the difficult work needed to restore your name and credit to pre-event status as accurately, completely, and quickly as possible.
You'll be assigned a dedicated licensed investigator who will work your case through the entire identity theft restoration process. In order to receive the full benefit of enhanced identity theft restoration, you'll be asked to sign and return a limited power of attorney that provides your investigator the legal rights to become your advocate and work on your behalf.
Does ID TheftSmart identity restoration cost extra?
No. Identity theft restoration services are available at no additional charge for all ID TheftSmart members in good standing.
If you are not currently an ID TheftSmart member and would like our assistance resolving your identity theft issue, our restoration services are available to you for a one-time $1,500 restoration fee.