IDENTITY GUARD

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The difference between reporting ID theft online or phone is if you receive an ID theft report. An ID theft report helps you prove to businesses that someone stole your identity. This report helps you fix problems caused by the identity theft.

Tax forms have all your info in one place making identity theft all too easy. LifeLock alerts you to possible threats you may miss on your own, and if your identity gets stolen, we work to quickly restore it.

Important Information The credit scores provided are VantageScore 3.0 credit scores based on data from Equifax, Experian and TransUnion respectively. Any one bureau VantageScore mentioned is based on Equifax data only. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. 3 If your plan includes credit reports, scores, and/or credit monitoring features (\"Credit Features\"), two requirements must be met to receive said features: (i) your identity must be successfully verified with Equifax; and (ii) Equifax must be able to locate your credit file and it must contain sufficient credit history information. IF EITHER OF THE FOREGOING REQUIREMENTS ARE NOT MET YOU WILL NOT RECEIVE CREDIT FEATURES FROM ANY BUREAU. If your plan also includes Credit Features from Experian and/or TransUnion, the above verification process must also be successfully completed with Experian and/or TransUnion, as applicable. If verification is successfully completed with Equifax, but not with Experian and/or TransUnion, as applicable, you will not receive Credit Features from such bureau(s) until the verification process is successfully completed and until then you will only receive Credit Features from Equifax. Any credit monitoring from Experian and TransUnion will take several days to begin after your successful plan enrollment. Click here for additional important information

3 If your plan includes credit reports, scores, and/or credit monitoring features (\"Credit Features\"), two requirements must be met to receive said features: (i) your identity must be successfully verified with Equifax; and (ii) Equifax must be able to locate your credit file and it must contain sufficient credit history information. IF EITHER OF THE FOREGOING REQUIREMENTS ARE NOT MET YOU WILL NOT RECEIVE CREDIT FEATURES FROM ANY BUREAU. If your plan also includes Credit Features from Experian and/or TransUnion, the above verification process must also be successfully completed with Experian and/or TransUnion, as applicable. If verification is successfully completed with Equifax, but not with Experian and/or TransUnion, as applicable, you will not receive Credit Features from such bureau(s) until the verification process is successfully completed and until then you will only receive Credit Features from Equifax. Any credit monitoring from Experian and TransUnion will take several days to begin after your successful plan enrollment.

This kit is designed to help you through the process of resolving your identity theft case and clearing your name. While there are many general identity theft resource guides available, this kit was specifically developed to provide assistance to Floridians who are identity theft victims, as well as individuals in other states who had their personal information fraudulently used in the state of Florida.

Navigating through the system as an identity theft victim can be a lengthy and confusing process. As you contact law enforcement, creditors, and financial institutions, it is important that you keep track of the actions you take. You may want to use this course of action form to help you retain a record of your progress.

When your identity is stolen your personal identifiers can be misused in a variety of different ways. As soon as you become aware that your information has been misused, there are several basic steps you should take that apply to nearly all kinds of identity theft cases:

File a complaint with the FTC's Identity Theft Clearinghouse The Clearinghouse is the federal government's repository for ID theft complaints. Complaint information is entered into a central database, the Consumer Sentinel, which is accessed by many local and state law enforcement agencies in Florida, as well as Florida's Attorney General, for identity theft investigations. Call the toll-free hotline at 1-877-IDTHEFT or complete an online complaint form

Flag your Florida Driver's License.At your request, the Fraud Section of the Department of Highway Safety and Motor Vehicles will place a flag on your driver's license if you are a victim of identity theft (regardless of whether your Florida Driver's License has been compromised). To reach the Fraud Section, call 850-617-2405. You will be asked to submit your request in writing to:Bureau of Motorist Services SupportFraud Section, Mail Stop 84, Room A3272900 Apalachee ParkwayTallahassee, FL 32399-0570

If you believe that the identity thief has actually used your personal information to secure a Florida Driver's License or Identification Card, DHSMV will conduct a fraud investigation. To initiate this investigation, complete the DHSMV Identity Theft Report Form and mail it to the address above. Click here to find indentity theft and driver license fraud information.

Check your Florida criminal history information. In some instances of identity theft, a victim may be faced with a criminal record for a crime he or she did not commit. The Florida Department of Law Enforcement (FDLE) can provide a Compromised Identity Review (based on a fingerprint comparison of state criminal history files) to determine what, if any, criminal history belongs to you, and if any arrest records have been falsely associated with you as a result of someone using your identity. If a fingerprint check determines you are an identity theft victim, FDLE will work with local law enforcement agencies to attempt to clear fraudulent data from the criminal history files and provide you with a Compromised Identity Certificate.

Contact the Florida Department of Law Enforcement.After you have filed a report with local law enforcement and with the FTC's Identity Theft Clearinghouse, you may contact FDLE. FDLE Special Agents who work identity theft cases may be able to provide additional guidance and assistance. Click here to find your nearest FDLE Regional Operations Center.Remove your personal identifiers from Florida court records.Any person has the right to request the Clerk or County Recorder to redact/remove his or her Social Security number, bank account number, credit, debit or charge card number from an image or copy of an Official Record that has been placed on such Clerk's/County Recorder's publicly available Internet website, or in a court file. If you believe your personal information appears in a publicly available record, contact your County Clerk's Office to initiate a request. A listing of all County Clerks can be found at Information on how to safeguard your confidential information with the courts go to =hdi_protect_identity&terms=%22redact+and+personal+and+information%22.

Report Mail Theft to the U.S. Postal Inspection Service.The U.S. Postal Inspection Service will investigate if your mail has been stolen by an identity thief and used to obtain new credit or commit fraud. Incidents should be reported to your nearest U.S. Postal Inspection Service district office.

Identity Guard takes a unique approach when it comes to identity-theft protection, as it has help from an IBM Watson supercomputer. Using this artificial intelligence to scan the web, Identity Guard can help identify vulnerabilities and identity theft at an earlier stage than its competitors.

Identity Guard has inexpensive family plans, social media monitoring and a unique ability to catch tax-refund fraud quickly. Its top-tier Identity Guard Ultra plan nearly matches the best identity theft protection services IdentityForce UltraSecure + Credit or LifeLock Ultimate Plus feature-for-feature.

Identity Guard offers three identity-protection plans for individuals and has discounted annual plans. Tom's Guide readers get about a 20% discount for each plan, but the company does charge sales tax.

The Value subscription costs $9 a month or $90 a year and combines $1 million of insurance for lost funds with a dedicated case manager for an identity-theft incident. Its standout feature is the unique use of the IBM Watson supercomputer to detect potential threats online. However, the Value plan doesn't include any credit-score monitoring or credit reports.

The company got an A+ grade from the nonprofit Better Business Bureau as well as a 4 out of 5 rating from the for-profit Consumer Affairs. This makes it among the most highly regarded identity-theft-protection providers in the business. Consumer complaints largely revolved around billing issues.

In the late summer of 2020, I subscribed to five of the biggest identity-theft-protection services, including Identity Guard's Ultra plan. All were paid for by me, for which I was later reimbursed by Tom's Guide.

Over the next three months, I used the browser-based interface on my Lenovo ThinkPad T470 and the mobile app on my Samsung Galaxy Note 20 to check on the service's alerts, notifications and changes to my credit and identity, as well as my credit scores. I used the credit simulators and utilities when provided.

There's not much value to this, as the credit agencies are obligated by law to provide you one credit report per year for free. Some other identity-theft-protection services can give you one or three credit reports quarterly or monthly, and many have added the ability to buy additional reports for a few dollars each.

Using the computational power of IBM Watson supercomputers, Identity Guard uses artificial intelligence to spot potential vulnerabilities. It continually rates your identity-theft risk and even keeps an eye on your social media presence. 59ce067264

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