Identity theft has become a growing concern all around the world. It has become easier and more widespread with the easy accessibility to personal information via the internet. Unfortunately anyone and everyone are at risk and the identity thief doesn’t even have to be in your neighborhood, they can be across the globe in another country!
This is the negative side of the “world wide” web. Some of these thieves are highly skilled hackers that can bypass very sophisticated security measures, but many are able to steal because the general public is unaware of how to protect themselves or their convince themselves that it won’t happen to them.
Today, it is equal opportunity for everyone and anyone can be at risk of identity theft. If you want to protect yourself from identity theft, consider an identity theft shield plan. The plan is different from identity theft insurance in that it protects your prior to the theft occurring by working to prevent the theft from ever taking place; insurance covers your losses after the fact.
There are certain features that individuals can expect from an identity theft shield plan. Many plans give individuals regular credit report checks, rather than relying on the once per year credit report check that is provided for free from reporting agencies. In addition, these plans usually monitor credit scores to let individuals know how they can raise those scores and to inform them of any potentially suspicious activity on their credit report.
In addition, the best identity theft shield plans will notify customers of any credit accounts opened in their name. It is one way for individuals to monitor their accounts and make sure that they will be able to tell immediately if someone has accessed their information and is trying to use it in a fraudulent manner.
Other features of a good identity theft shield are that address changes, public record additions, and derogatory notations added to the credit report are also reported right away to the account holder so that these issues can be promptly addressed. The faster the authorities are notified of fraudulent activity, the better the chances are that they will be able to catch the perpetrator.
If there is an identity theft, the shield services are also designed to help the individual to restore their credit. Depending on the plan, identity theft shield services will help send out fraud alert notifications and work with credit companies to restore the individual’s credit. They can help the individual with all of the paperwork involved, pointing them in the right direction so that they are covered immediately upon reporting the fraud.
An identity theft shield plan will work at preventing identity theft and if needed, will help you repair the situation if it ever occurs. For anyone at risk of identity theft, a shield plan is a strong resourceful investment.