Member
Since 1993

Identity Theft Program

Innovations in Identity Theft™ A Complete Identity Theft Solution

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, a credit card number 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 identity has been stolen until unauthorized transactions appear on credit card statements, collection notices appear in the mail or loan applications are declined. In a short period of time, extensive damage can be done as a result of a stolen identity incident.

Our unique identity theft “Prevention to Prosecution Solution™” program is the most comprehensive program on the market. The following benefit components help prevent the fraudulent use of a member’s identity and provide complete, paralegal assisted restoration in the event a theft occurs.

Benefits and Features

Identity Monitoring

• By continuously monitoring information related to a specific identity, the owner of that identity can be immediately notified if it has been compromised. As identity fraud usually precedes other types of fraud (such as credit card fraud), this proactive alert system is critical to mitigating the extensive, and expensive, damage perpetrated after an identity is stolen and manipulated. Our program will monitor your “identity” on a monthly basis to make sure that no one is using your identity in a fraudulent manner. Monthly reports will inform members of any threat against their identity.

Restoration
Upon notification of an identity theft incident, paralegals will:

• Consult with the member to ascertain the severity of the theft and start the notification process.
• Prepare and send the customized, pre-completed, state specific “ID Recovery Kit™” to member via overnight delivery.
• Send all necessary electronic notifications.
• Contact all three credit reporting agencies to obtain a free credit report for the member, place fraud alerts on the member's credit records and obtain a list of creditors involved with the fraud.
• Submit Special Power of Attorney and ID Theft Affidavit to involved creditors requesting cancellation of the member’s card and issuance of a new card.
• Notify the appropriate bank or agency if other forms of identification (such as an ATM card, driver’s license, social security card, or passport) were stolen or are missing, so that appropriate action can be taken and new forms of identification issued.
• Notify local authorities of identity theft incident and help member obtain necessary reports.
• Follow up with creditors, where needed, to ensure that the matter has been properly handled.
• Provide fraud resolution, legal and emotional assistance from beginning to end.

Identity Theft Insurance
Each member will also receive up to $25,000 worth of insurance coverage* to help offset some of the costs of restoring an identity to its original status, including:

• Lost wages: $500.00 per week, for 4 weeks maximum
• Re-filing of loans
• Defense cost for certain civil and criminal lawsuits: Reasonable and necessary fees incurred in the United States by the insured with Insurer’s consent for an attorney appointed by them for:
  a) Defending any civil or criminal suit brought against the insured by a creditor, collection agency or other entity acting on behalf of a creditor for non-payment of goods or services, or default on a loan solely as a result of a stolen identity incident.
  b) Removing any civil or criminal judgment wrongfully entered against the insured solely as a result of a stolen identity incident.
• Reimbursement of fees: Reasonable and necessary fees incurred in the United States, by the insured, with the carrier’s consent for an attorney appointed by them for:
  a) Re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of a stolen identity event.
  b) Notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of the insured’s efforts to report a stolen identity incident and/or amend or rectify records as to the insured’s true name or identity as a result of a stolen identity incident.
  c) Up to six credit reports from established credit bureaus (with no more than two reports from any one credit bureau) dated within 12 months after the insured’s discovery of a stolen identity incident.

*Identity Theft Insurance is not available in NY. Insurance covers enrolled member only.

Lost Credit Card Assistance
All members will be provided with toll free access to certified paralegals that will assist members should they misplace or have their credit card/s stolen.

Should this occur our specialists will:

• Consult with the member to determine the severity of the incident and begin the notification process. This includes obtaining credit reports from each of the three major credit reporting bureaus.
• Contact each credit card company while member is on the phone.
• Cancel the member’s affected credit cards.
• Request new replacement cards.
• Place fraud alerts with all three major credit bureaus.
• Assist member with interpreting their credit reports.
• Provide daily credit monitoring from all three bureaus for six months to help prevent any further fraud.

Registration of the member’s credit cards is not required. This safety measure prevents further fraud and/or identity theft. All of our Call Center Personnel (ID Recovery Specialists) are certified paralegals with extensive legal and fraud experience. We train our Call Center Personnel in crisis intervention and provide them with continuing fraud education. Our paralegals work under the direction of our corporate attorney.

Unlimited Legal Care at Discounted Rates
Identity theft victims can defend themselves against crimes committed by an identity thief. In addition to the $25,000 worth of coverage provided by our identity theft insurance carrier, our program provides members with access to a proprietary attorney network that will represent them at the low hourly rate of $125.00 for all extended legal care.

Members may use our program to prosecute identity thieves. This is the only Identity Theft Program in the country that provides unlimited discounted legal care, enabling members to both defend themselves against a theft, and prosecute thieves.

With a nationwide network of plan attorneys, Legal Club is the sole identity theft vendor that can offer members this important plan enhancement.

Program Eligibility:
Member, their spouse, significant other, domestic partner, any children between the age of 18 and 25, and any dependents who are living with and are dependent upon the member such as a parent or grandparent are eligible.