Your Identity As The Truth And Nothing But The Truth

Studies reveal that 85% of consumers are victims of identity theft. Identity Truth offers a comprehensive service to protect your personal and financial information. However, many people feel that they are taking the steps necessary to protect their identities, like installing spyware, antivirus software, and shredding pre-approved offers that come in the mail, these are not the only ways available, nor are they the most effective. In many cases this may not be enough to protect a consumer from identity theft. In 2007, 13 million consumers suffered from the damages associated with identity theft. The FTC reported in 2006, that of the $5 billion in damages associated with fraud due to identity theft, 25% involved credit card fraud and 12% involved new account credit card fraud. With these statistics, it is obvious that many other forms of identity theft exist and that more efforts are needed to protect consumers.

Identity Truth is one of the newest service providers to consumers to protect against identity theft. It offers several different services to consumers to assist them in their efforts to protect themselves. Many companies offer one or two services, but there are few products that provide a complete identity theft protection service that includes fraud alerts, monitoring on different levels as well as removal from marketing mailing lists.

With Identity Truth the consumer can enable Fraud Alerts with Experian, Equifax, and TransUnion for free. For these members ID Truth will place fraud alerts on your credit account so that when any attempt to open a new account in your name occurs, you will be contacted to obtain your approval of the application, before the credit account can be activated. This protects you from unwanted credit that can damage your credit rating and financial stability.

Another program available is the removal of your name from pre-approved credit offers. One of the primary sources of information for identity thieves are pre-approved credit card offers. An identity thief has several ways of obtaining these credit card offers, such as “dumpster diving” or in some cases removal from a mailbox. It is easy enough to go from house to house, or mailbox to mailbox and remove information during the day while homeowners are at work. Also, may people I know don’t think identity theft can happen to them, so they don’t bother with the few extra minutes that shredding these offers can take. This service will contact many of the primary marketing firms that produce these mailings, remove your name from the list and by doing so can lessen the opportunities for identity theft.

Identity Truth also provides the following services and features:

- A service guarantee of $2 million: (See the Identity Truth agreement for specific details.)

- Internet monitoring 24 hours a day, 7 days a week: This protection will monitor websites to determine those that quite often are used to sell and transmit your personal and financial information so that identity thieves may use it.

- Suspicious activity notification: Consumer that are members of this service will be notified immediately of any detected problems with their credit. Members may choose to be notified via email or even text messages. You decide how you wanted notified.

- Identity Truth measures your risk of identity theft: Using the information you provide, its unique measuring system determines your risk of identity theft based on these factors as well as determines your likelihood of being a victim of frauds.

- Personal Data Breach Reports and Alerts: Quite frequently security breaches occur within retail stores, banks, schools, insurance and government agencies and personal or financial information is obtained illegally. If one of those breaches pertains to your information, you will be alerted.

- A truly free credit report: Many companies make this claim, but provide you with your free credit report utilizing the free service available to consumers through the Fair Credit Reporting Act. By using this service, consumers are no longer eligible for their free credit report for the remainder of the year. But this service actually does give you a free credit report, and you still have the ability to request another free one in the future

Identity Truth can offers 12 points of comprehensive protection from identity theft that includes a guarantee. There are three plans available: Premium-$9.99 per month which requires a 3-month minimum subscription, Premium-1-Year for $99.99 and Premium for 3-Years available for $229.99.

Your identity is more than just your financial information and Identity Truth understands that. In today’s world, personal, family, and financial information is connected putting the consumer at even more risk of identity theft. Identity theft is not limited to simply obtaining credit in someone else’s name, but includes mortgage fraud, obtaining government benefits and even a job in your name. Identity Truth is designed to protect more than just your credit but all of your financial and personal information in an effort to provide you with the most efficient identity theft protection available.