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Identity Theft Prevention

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Even if you are diligent in protecting your credit and other personal information, you are still at risk for identity theft. That's why it's so important to take the time to learn how identity theft can happen, effective methods of prevention, and how PrivacyGuard works to help keep your identity safe.

How Identity Theft Can Happen

Identity theft can happen any time that your personal information, be it bank account numbers, credit card numbers, Social Security information or even your address become compromised. This compromise can occur either online or offline. When dealing with online transactions, it's a good idea to only use site that offer a secure connection. However, viruses, spyware and other malicious programs that may unknowingly have gained access to your computer can transmit any personal information on your computer to a remote source, which may be used for identity theft. This is why it's important to have strong anti-virus software protection, like Norton Internet Security Online which PrivacyGuard provides. See details.

But the internet isn't the only risk to your identity. Thieves may look over your shoulder while you are at the ATM, or grab your credit card numbers when your card is lying in view on a restaurant table. More technologically advanced methods of theft include skimming devices placed on ATMs, gas pumps, and other card reading devices. Thieves may even be able to get useful information from discarded credit card or ATM receipts and financial statements and bills that come in the mail. And despite your best efforts, there is the potential for losses of personal information that are beyond your control. Security breaches can impact anyone; your personal and credit information can be stolen from the databases of even the most reputable companies. And thieves posing as landlords, creditors or potential employers may even gain access to your credit files.

The Consequences of Identity Theft

So what can happen if an identity thief gets hold of your information? He or she can open up new lines of credit in your name; run up your credit card bills, even present your name when arrested for a crime. Straightening everything out can take time, money and effort, and your credit may suffer in the interim. As such, you may find yourself unable to use your credit cards or seek new lines of credit, bill collectors may continuously bother you and threaten legal action if bills are not paid, and you could even be turned down for a job you are seeking due to your poor credit or crimes that you may not have committed.

How PrivacyGuard Can Help You Fight Identity Theft

Fortunately, PrivacyGuard has the comprehensive resources you need to help protect your identity. For instance, PrivacyGuard's daily credit monitoring alerts you to certain changes to your credit reports. So if an inquiry is made on your credit or a new account is opened, you can take swift action to investigate the activity. PrivacyGuard even has professionals on hand to help you assess whether you need to dispute activity in your credit report and, if a dispute is necessary, how best to proceed. These professionals have Fair Credit Reporting Act training, and they're ready to handle your case efficiently. See details.

PrivacyGuard also provides internet fraud surveillance. With this service, you can register up to ten credit or debit cards and your Social Security number, and the surveillance team will be on the lookout, in underground chat rooms, black market websites and other places where identity theft perpetrators barter information. If we discover that your information has been compromised, you'll know about it. See details.

You have also heard about the dangers of spyware and computer viruses as a part of identity theft. That's why PrivacyGuard includes Norton Internet Security Online, one of the premier security suites for protecting your computer against viruses, spyware and other threats. See details.

PrivacyGuard also brings you Lost and Stolen assistance for your credit cards. PrivacyGuard also brings you Lost and Stolen assistance for your credit cards. Calling our toll-free number, 24 hours a day, 7 days a week, can have you on your way to getting those cards cancelled and having new ones sent out. See details.

PrivacyGuard even makes available up to $1,000,000 of identity theft insurance with no deductible.*

These are just some of the tools PrivacyGuard provides to help you prevent and fight identity theft. Best of all, you can try all of PrivacyGuard's benefits right now. Sign up now, and get the protections you need to help you stay safe.

*Your VantageScore credit score(s) are provided by VantageScore Solutions LLC. The VantageScore model, with scores ranging from 300 to 850, was developed jointly by the three major national credit reporting agencies - Experian®, TransUnion®, and Equifax®. The version of VantageScore provided here is used by some, but not all, lenders. Your score(s) may not be identical or similar to scores received directly from those agencies, from other sources, or from your lender.

*Your liability for unauthorized use of your credit, debit, and ATM cards is limited under federal law. In addition, your card issuer's liability policy may provide for lesser liability amounts that under federal law. Consult your card issuer's terms and conditions for specific details. The policy of many card issuers is not to hold cardholders liable.

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The federal Fair Credit Billing Act gives you the right to dispute billing errors, such as unauthorized charges, on your credit card by notifying your credit card company in writing within 60 days after the first bill containing the error was sent to you. The credit card company must resolve the dispute within two billing cycles (not to exceed 90 days) after receiving your notification. You may withhold payment on the disputed amount (and related charges) during the investigation. You must pay the amount not in dispute. You will be informed in writing whether your bill is correct or contains an error. If your bill contains an error, it will be corrected.

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