Why can’t I just protect my identity on my own? Identity thieves use increasingly sophisticated and creative methods to get your personal information and then are very careful to reap benefits in ways that are undetectable to you. While there are steps that you can take to protect your identity on a basic level, thieves can access your details in ways that the average person has little to no power to halt. These gateways into your personally identifying information can happen through data breaches at organizations such as medical, insurance, government, or financial institutions. Identity thieves can also get your information without you even knowing through email phishing scams, card skimming, malware on your computer, insecure wifi networks your mobile phone might log into, employment scams, and hacked passwords. Identity thieves can also steal your mail or discarded papers from your recycling or trash. Once they have your information, they can open up accounts in your name with a synthetic identity pieced together with information from other individuals. Synthetic identities often go unnoticed because the thief only uses one small piece of information from several individuals and red flags get ignored as phone calls to the wrong number, misaddress mail, or an innocent fluke in the system. Meanwhile harm is being done, and the longer identity theft takes place the more difficult it is to prove your innocence, recover your identity, and reverse any damages.
How likely is identity theft to happen to me? How common is identity theft?
In 2015, the FTC received over 490,000 consumer complaints about identity theft, a 47% increase over 2014. (Federal Trade Commission, Significant Enhancements to IdentityTheft.Gov) More recently in February of 2017
USA Today reported, “About 1 in every 16 U.S. adults were victims of ID theft last year (6.15%) — and the incidence rate jumped some 16% year over year. This despite 2016 being the first full year that brick-and-mortar retailers were forced to accept more secure EMV chip cards or face liability consequences.” To give you some points of comparison: unemployment was 4.7% in December 2016, 8% of US adults go to grad school, 5% of Americans are vegetarians, and 0.6% of the US population is allergic to peanuts – yet we consider all these things significant enough in number to think of them as common.
Why should I care if someone steals my identity? If your information is stolen, you could be held financially responsible for what the thief buys, charges or does with your information. This can potentially damage your credit rating, result in bills and account collections, or even denial of medical services if your medical insurance is affected. The results of identity theft can range from troublesome to catastrophic.
What is identity theft? Identity theft is a crime that occurs when your personal identifying information is used without your consent. Criminals have found ways to use a person’s name, Social Security number, address, date of birth, credit card, medical insurance account, bank account and bank information, driver’s license, and phone number for their own personal gain. The MyIDCare Difference
How is MyIDCare credit monitoring different from what my credit card already does?
Your credit card provider uses algorithms to determine if charges on your card could be an indication of a stolen card or card number, for instance, large purchases, transactions in another city or country or a quick succession of purchases. Notifications from your credit card can help to avoid card fraud on your
What your credit card provider can’t identify is actual identity theft, in which a criminal would use your personal information to open
new accounts in your name. Credit monitoring uses credit bureau data to detect changes to your credit file, such as address changes, name changes or new accounts. Identity thieves go to great lengths to cover their tracks so they can use a stolen identity for as long as possible before detection. For instance, opening accounts in your name and social security number but at a new address helps to avoid discovery. This is where credit monitoring can help detect fraud in a way your credit card provider cannot.
For more about how identity theft protection provides additional coverage beyond your credit card, this article dives deeper into the topic.
What is a Recovery Superhero™
Our Recovery Superheroes are your own personal identity guardians. Based in Portland, Oregon, our Certified Identity Theft Risk Management Specialists have resolved thousands of cases of identity theft. If you become a victim of identity theft, you will be assigned a specialist who will, using limited power of attorney, fight on your behalf to achieve full recovery of your identity.
Why should I trust MyIDCare With over 14 years of experience protecting identities, MyIDCare is built on the core value of ensuring the privacy of your personal, financial, and health information. MyIDCare was built by an experienced team of privacy advocates at ID Experts, the leader in identity theft protection services and response. We employ leading encryption and security technologies to ensure every interaction a member has with MyIDCare is secure. All sensitive and personal information is encrypted utilizing the 256 bit AES algorithm. Our U.S. based team of identity protection experts and recovery advocates undergo extensive training and are FCRA certified, to ensure that your experience is second to none. MyIDCare has a 100% recovery rate for restoring the victims of identity theft back to pre-theft status.
How does MyIDCare save me time?
MyIDCare saves you from having to proactively monitor your credit and financial statements, and removes the need for you to regularly check in with any institutions who have personally identifying information on you - like banks, healthcare professionals, insurance companies, or educational institutions. Should identity theft occur, MyIDCare can dramatically reduce your hours spent and stress experienced. Every one of our members is matched with a certified protection professional as soon as they reach out to MyIDCare. This means that when you call us, you’re always connected with the same person who, over time, gets to know your individual situation. No repeating yourself again and again to different customer service representatives. It also prevents details from falling through the cracks, and enables our professionals to get a big picture view of what’s happening – vital to finding patterns and getting to the root of identity theft.
Without our help, you could burn through countless hours researching identity theft topics to try to determine what’s happening and then reaching out to and waiting to hear back from various organizations. Meanwhile the extent of the theft could be growing at a rate you can’t keep up with. “The Federal Trade Commission (FTC) tracks identity theft statistics, helps victims, and coordinates responses by various governmental agencies. They estimate that recovering from identity theft takes an average of six months and 200 hours of work.” Child identity fraud takes an estimated 334 days to detect and 44 hours to resolve, according to Javelin’s Child Identity Fraud Survey Report. Our Services
Why would my child need identity theft? A child’s or student’s identity is like pure gold to identity thieves. Children tend to have little or no financial history, and thieves assume that no one is checking a child’s credit report. Criminals can use a child’s Social Security Number to falsely claim dependent children or welfare payments from the government, and to create fake ID documents that they can use to apply for loans or even commit crimes. By the time the child is old enough to be financially independent, they may find their credit rating is ruined.
Who is included on a family plan?
Our family plan covers two adults with both credit monitoring and CyberScan, in addition to $1M of reimbursement insurance and of course unlimited access to our team of experts and Recovery Superheroes. Children do not yet have an active credit bureau file, but also receive CyberScan monitoring and up to $1M of reimbursement insurance and recovery services if they are a victim of identity theft. Up to five minor dependents under the age of 18 are covered on the family plan. It is the perfect plan to provide peace of mind in an increasingly uncertain time.
What does the credit monitoring activation process involve? Our system will ask you to provide additional information such as your Social Security number, date of birth and driver’s license. You will also be asked a few multiple choice questions validating other data from your credit file, such as previous addresses or loan information. Our system uses this information as an additional security step to verify we are communicating with the correct individual and you are who you say you are.
How does credit monitoring work? Credit monitoring is an incredibly helpful tool which works by alerting you to changes with your credit file. These changes can be actions you have taken, but more importantly, these changes could also be fraudulent activity requiring immediate attention. Think of credit monitoring as an alarm system which can help to detect activity that you’ll want to verify.
What is credit monitoring
Credit monitoring is an incredibly helpful tool which works by alerting you to changes with your credit file. These changes can be actions you have taken, but more importantly, these changes could also be fraudulent activity requiring immediate attention. Think of credit monitoring as an alarm system which can help to detect activity that you’ll want to verify.
Getting Started Using MyIDCare
What does authentication mean?
What if I forget my Username and Password? Visit your MyIDCare membership site. If you forgot your username and/or password, you will be able to select either at the membership log-in site. If you forgot your username you will have to enter the email address associated with your MyIDCare membership and your login information will be emailed to you immediately. If you forgot your password, you will have to provide the User ID associated with your account to reset your password.
What does the insurance reimbursement cover? The insurance reimbursement provides coverage for lost income (time off work) and expenses (e.g., credit reports, legal fees for some civil suits, fees for refilling loan applications, etc.) related to the recovery process.
Do I have to activate my monitoring immediately? In order for you to receive the full protection being offered to you, we do recommend that you activate your credit monitoring as quickly as you are able to.
Will I need to reactivate my credit monitoring when I renew? No, you will not need to renew your monitoring each year. The credit monitoring will continue during your membership without interruption.
What if I have a credit/security freeze in place You may not be able to activate credit monitoring if you have a security freeze in place on your credit file. You can still attempt the authentication process through the member website. If you are flagged for manual authentication, then you many need to temporarily or permanently lift the security freeze. If you choose not to activate the monitoring, you will still have access to our recovery services.
Is your site secure? MyIDCare was built by an experienced team of privacy advocates at ID Experts, the leader in identity theft protection services and response. We employ leading encryption and security technologies to ensure every interaction a member has with MyIDCare is secure. All sensitive and personal information contained in the database is encrypted utilizing the 256 bit AES algorithm.
Is it safe to provide my confidential information to your website or any of the credit bureaus? Yes, when activating your monitoring, our online system will require you to confirm your identity. The information that will be asked is information already available to the credit bureaus. This information is used simply as a security measure to help ensure that they are speaking or dealing with the true person and not an imposter. Identity fraud hits a record high of 15.4 million U.S. Victims in 2016.
“This is what organized crime looks like in the year 2016. These are the most profitable, most capable criminals in the world and we’ve got to do a better job of keeping them out.”
– former FBI Asst. Director Chris Swecker*
MyIDCare provides identity theft protection to help keep you safe from fraud. By applying the same level of protection that Fortune 500 firms and government institutions use, MyIDCare protects the identities of individuals and their families, providing you the only coverage with a 100% Recovery Guarantee.
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