Identity Theft Problem Solution

Written by Mark Freink


We live in an information-oriented society. Technology allows us to do business and make transactions literally in a matter of seconds. This abundance of information has given rise to a new crime - identity theft. In fact, according to a 2003 release fromrepparttar Federal Trade Commission, almost 10 million people inrepparttar 101629 United States may be victimized by identity bandits each year.

So what does that mean? Someone has stolen your credit card – your credit card company can help you with that, right? Well, according torepparttar 101630 FTC, almost 60% of identity theft issues don’t pertain to your existing credit card accounts. Identity theft can occur as a result of new lines of credit being opened in your name either through credit cards or bank loans as well as phone/utility fraud and even employment related fraud. Because we are susceptible through so many avenues in our daily life, we are all at risk.

What can you do? Where would you turn if you found yourself in this situation? Would you know where to start to clear your name? Well, now you don’t have to worry about what to do as we haverepparttar 101631 answer.

As you already know, Pre-Paid Legal Services®, Inc. is a pioneer ofrepparttar 101632 legal services industry. With more than 30 years of experience in providing legal rights protection to our members, we have now teamed with Kroll Inc.,repparttar 101633 world’s leading independent risk consulting company. Kroll is a 30 year old, publicly traded company that provides a broad range of investigative, intelligence, financial, security, and technology services to help clients reduce risks, solve problems, and capitalize on opportunities. Headquartered in New York with more than 60 offices on six continents, Kroll has a multidisciplinary corps of more than 2,200 employees and serves a global clientele of law firms, financial institutions, corporations, nonprofit institutions, government agencies, and individuals. Overrepparttar 101634 last three years, Kroll has developed a unique solution for victims of identity theft. This new service is now available to Pre-Paid Legal members throughrepparttar 101635 IDENTITY THEFT SHIELD benefit.

What does this benefit provide our members?

The Identity Theft Shield gives you easy access torepparttar 101636 resources you need to understand your credit ratings and to fight back if an identity thief threatens your financial standing. This benefit is designed to alert you to suspicious account activity, to restore any resulting damage to your credit history and to reimburse you for covered out-of-pocket expenses you may incur inrepparttar 101637 process.

1. Credit Report Through Experian Make sure your financial records are accurate. Your credit standing is one of your most important financial assets. It not only affects your ability to get credit, it often dictatesrepparttar 101638 interest rate at which you can borrow. It can also affect your ability to purchase insurance or to find employment. Some insurance companies and prospective employers use your credit rating to gauge your sense of responsibility. Experts recommend you review your credit report regularly. The Identity Theft Shield makes it easy. Members are entitled to an up-to-date credit report from Experian at no additional charge.

Personal Credit Score and Analysis from Experian Know your credit score . . . and how it affects your ability to borrow. Your credit score is derived fromrepparttar 101639 information in your credit report. This score is used by lenders to determine your creditworthiness. The higherrepparttar 101640 number,repparttar 101641 better your chance of being approved forrepparttar 101642 credit you want. A detailed analysis of your Personal Credit Score will be included with your Credit Report. You can use this analysis to evaluate your current credit standing.

2. Continuous Credit Monitoring Through Experian Learn of suspicious activity before your credit is ruined. A professional thief can assume your identity in just a few hours. But it can take years for you to repair your credit standing. Early detection is key to minimizingrepparttar 101643 damage caused by thieves who steal you name. With your Identity Theft Shield membership, your credit files will be monitored through Experian daily. Suspicious activity will be brought to your attention, providing you with early detection. You’ll receive prompt notice if any new accounts are opened in your name . . . or if negative notations are added to your credit report.

3. Fraud Restoration Service Get personal assistance and advice from experts. Any discrepancy in your credit report should be addressed at once. Call our Customer Services Department atrepparttar 101644 designated Identity Theft Shield number and explain your concerns. If it is identity theft, our fraud investigators will assist you every step ofrepparttar 101645 way. A Fraud Restoration package with complete and detailed materials, aids, and instructions will be rushed to you.

Find The Courage To Know The Truth

Written by Helaine Iris


Find The Courage To Know The Truth Helaine Iris © 2004

“Makingrepparttar decision to have a child--it's momentous. It is to decide forever to have your heart go walking around outside your body.” Elizabeth Stone

My daughter amazes me. She’s just been through a roller coaster growth cycle. I’m going to share this vulnerable, recent event from her life that has beautifully illustrates a powerful life lesson. I have her permission to share this story with you.

It all started about six months ago when she began her senior year of high school. To give you some background, our daughter, who tends to be onrepparttar 101628 reserved side, is not a risk taker, and attends a very small, private, alternative school in rural Vermont. There are 10 kids in her class and forrepparttar 101629 most part they all socialize with each other.

It’s a close-knit group of students. There’s not a lot of a potential romantic option in such a small pond yet my daughter began to develop a crush on one of her classmates. Asrepparttar 101630 year progressed and social events increased and friendships deepened, her feelings for this boy deepened as well.

I was delighted she was talking to me about her experiences and feelings all alongrepparttar 101631 way. We spent many a conversation exploring how one deals with having feelings for someone when you’re uncertain if your feelings are to be returned. We discussed at length possible strategies for approachingrepparttar 101632 conversation. We consideredrepparttar 101633 pros and cons of letting things naturally unfold vs. trying to second-guess where we thought this young man might be based on his interactions with her.

Over months we talked and talked. She expressed her hopes, her fear of rejection; ultimately, she feared that if she toldrepparttar 101634 truth of how she felt, it would ruinrepparttar 101635 friendship, which was clearly valuable to her.

About a month agorepparttar 101636 tension was approaching fever pitch for her. The friendship had grownrepparttar 101637 crush turned to love, and they were beginning to spend serious time together. She was filled withrepparttar 101638 fantasy of how wonderful it would be ifrepparttar 101639 relationship moved torepparttar 101640 next level. Still she was unable to ask this young manrepparttar 101641 seemingly simple question, “do you like me and want to be more than friends?”

It became painfully clear to me that my daughter was avoiding havingrepparttar 101642 conversation because she was afraid to knowrepparttar 101643 truth. On a deep level she was convinced that she was going to be rejected. The distress of not knowing andrepparttar 101644 tension it created although miserable was safer than facing possible disappointment. It was very understandable and yet, something needed to give.

Cont'd on page 2 ==>
 
ImproveHomeLife.com © 2005
Terms of Use