The Identity Protector
What This Plan Covers
U.S. Legal Services is pleased to announce an exciting new program utilizing Fraud Resolution to counter the growing need of consumers who are concerned about Identity Theft.
Identity Protector & Response: Identity theft is one of the fastest growing crimes in the nation. One out of every five Americans or a member of their family has been victimized by identity theft. Over 700,000 Americans are victims of ID theft annually and this number is rapidly growing. Identity theft is a crime that is almost solely on the shoulders of the victim to resolve. Currently there is little assistance given to consumers who need to resolve ID theft issues. The average consumer spends over 175 hours and over $1,000 per occurrence resolving ID theft issues. It will take a victim of ID theft an average of 2 to 5 years to clear-up resulting credit related problems. If a consumer does not respond to a creditor within 2 weeks of identity theft their chances of recovery are greatly decreased.
Identity Protector Solutions: The Fraud Resolution services assist consumers at the inception of a fraud related emergency. The Fraud Resolution Program is an affordable and expedient process that:
• Provides members with unlimited access to a highly trained Fraud Resolution Specialist.™ and conducts 10 emergency response activities within 48 hours.
• Assists members with restoring their identity and good credit.
• Provides members with a free “ID Theft Emergency Response Kit”™.
• Administers the costly steps to dispute fraudulent debts as a result of ID theft.
• Provides members with $25,000 Identity Theft Protection Policy.
• Follow-up with the member and monitor the Fraud Resolution progress.
Our fraud resolution program focuses not only on the immediate fraud related issues that a member is facing, but also educates the member on preventative steps to insure that they will not be victimized again. By utilizing our Fraud Resolution Program members will receive assistance from a trained specialist that can assist the member in expediting their fraud claims and restoring their good credit. When ID Theft occurs, “Fraud Resolution is a must”. Studies show that if a consumer does not respond to a creditor within 2 weeks of identity theft, their chances of recovery are greatly decreased. Our program helps member’s resolve fraud related issues “when time is not on their side.”
How It Works: Our Fraud Resolution Program is a confidential and easily accessible service that provides an administrative structure for dealing with Identity Theft. By simply contacting the customer service number provided, a member will receive a free 60 Minute Consultation with a trained and experienced Fraud Resolution Specialist in our call center.
When a member contacts a Fraud Resolution Specialist and informs us of ID Theft, we will conduct the following ten emergency response activities:
1. Provide the member with a uniform ID Theft Affidavit, answer any questions with regards to completing the affidavit and submit the affidavit to the proper authorities, credit bureaus, and creditors.
2. Assist the member with itemizing separate fraudulent account statements for each fraudulent occurrence and submitting statements to each creditor.
3. Reports the fraudulent activity to the local authorities and forwarding this report to their creditors.
4. Notify the fraud department of their creditors.
5. Notify all three major credit-reporting agencies of the ID Theft.
6. Help the member obtain a “free copy” of their credit report and review the report.
7. Assist the member in placing a “Fraud Alert” on their credit report.
8. Report the ID Theft to the Federal Trade Commission.
9. Provide the member with an “ID Theft Emergency Response Kit.™”
10. Educate the member on how identity theft occurs and inform the member of protection measures to take to avoid further ID theft occurrences.
Additional Services:
• Expense Reimbursement
- Expense Reimbursement: $25,000 maximum per policy period
- Lost Wages: $500 per week, for 4 weeks maximum included in the $25,000 maximum
- Deductible $0.00 per policy period
• Free 30 minute legal consultations – Provide member with free office or telephonic legal consultation per separate legal matter related to identity theft. If member choose to retain a participating attorney, they will be provided with a preferred rate deduction of 25% from the attorney’s normal hourly rate. Matters may include criminal (wrongful arrest or incarceration) or civil issues (destruction of credit reputation, credit issuers or credit agencies, refusing to correct negative reports, defending against creditor claims or lawsuits, working with Social Security for issuance of new social security number)
• Free 30 minute financial consultations – Each member is entitled to no-cost telephonic consultation with financial counselors. Members can receive help with a broad array of financial concerns including credit counseling, debt, etc.
Each FRS is a qualified customer service professional and is both Certified under the Fair Credit Reporting Act and holds a Certification as a Consumer Interviewer under the Fair Credit Reporting Act. The average customer service experience of the FRS group is thirteen (13) years.
Our professional staff and highly trained specialists are available to listen to your issues, answer your questions, and assist members with restoring their identity and good credit.
