TrustedID Identity Theft Protection Coupon Code Promotion Details
Just for Personal Life Media Listeners - How to Redeem your special offer for a 15% discount on TrustedID Identity Theft Protection Service
TrustedID was founded by a team of experts who came from the worlds of credit and finance. They found that consumers have had insufficient protection, little information, and few consumer rights to help them safeguard their identities and privacy. That's why they built the most comprehensive, proactive identity protection system in the industry, developed the first complete plan to protect families, and are constantly striving to improve our service and stay ahead of the latest tactics used by identity thieves.
Personal Life Media is partnering with Trusted ID to help you get protected. Simply click on the link for the show where you heard the ad:
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Unlike credit monitoring companies that alert you after someone has already stolen your identity, Trusted ID prevents thieves from stealing your identity in the first place. And because identity thieves are constantly devising new ways to get and use your information, we're always innovating, creating new services and protections that help you stay one step ahead.
TrustedID was the first to create an identity theft protection service that offers:
TrustedID protects you while you are online to make sure identity thieves can't get passwords and other valuable information when you use your computer.
Medical Benefits Monitoring
TrustedID helps you monitor your benefits to be sure that you and your family are the only ones getting treated under your health insurance policy.
A Comprehensive Family Plan
TrustedID helps you protect your entire household with one easy sign up at one low price.
TrustedID gives you the maximum security for your identity by placing a lock on your credit report with the credit bureaus, preventing identity thieves from opening new accounts in your name.
And today, TrustedID is still the only proactive service that offers medical benefit monitoring, CreditLock, and a comprehensive family plan.
Here’s a complete list of the proactive protection that TrustedID offers:
Financial identity protection
We place fraud flags on credit accounts, actively monitor key information in public databases and on Internet black market sites, and more.
Medical benefits protection
We ensure no one is using your health insurance information to get services.
Social Security benefits protection
We determine if anyone is using your name to gain employment in the US.
We help you detect and remove spyware from your computer with specialized software.
Lost wallet protection
We help you cancel accounts and help you replace cards if you lose your wallet.
We offer the same suite of protective services for your children and any family members living in your household.
We offer the option of a complete lockdown of your credit, preventing credit bureaus from releasing your credit report.
$1,000,000 service warranty
We back our protection up with a $1,000,000 service warranty to cover out-of-pocket costs associated with identity theft.
Facts About Identity Theft
More than 15 million people become victims of identity theft every year.
An identity is stolen every two seconds in the United States
On average, victims of identity theft spend 500 hours and more than $3,000 repairing the damage.
The FBI has named identity theft the fastest growing crime in the U.S. for the past four years.
Data breaches exposed personal information of over 250 million people last year.
In 2008, data breaches increased nearly 50%.
How Identity Theft Happens
Mailbox Raiding & Dumpster Diving
Mail from banks, institutions, and even new credit card offers contain valuable personal information which identity thieves can use to drain accounts and open new credit cards in your name. They get the information by stealing mail right out of your mailbox, or as in the case of dumpster diving, out of the trash after it has been thrown out.
If you've ever received an email from a “bank” or other financial institution asking for account information, thieves could have been phishing for your identity. (The word is derived from “fishing,” because the emails are like bait.) Clicking on their link will send you to a site that looks the same as the actual institution, but actually belongs to the thief. When you enter your information, the thief has won.
A combination of the words “voice” and “phishing,” vishing is like phishing, except the thieves use the phone instead of email. They may leave a message pretending to be your bank or some other company. When you call back, they'll take your personal information.
Medical Benefits Fraud
Increasingly, thieves have started seeking treatment using another person's name and medical insurance information. They can get it by stealing your wallet or hacking into a doctor's or hospital's computer system.
Spyware is a malicious computer program that installs itself on your PC and then allows thieves to record your personal information - like a credit card number, password, or Social Security number.
Skimming is a way for a thief to get your ATM or credit card information by installing their own card reader on an ATM machine. When you pass your card through the skimming device, it records your card information.
Corporate Data Breach
Trusted businesses, like your employer, your local bank, and other organizations have a great deal of your personal information stored on their computers. Thieves can gain access to this information by hacking into the network, by posing as a business partner, or after an employee loses a computer, disk or box of files.
Social Networking Sites
Identity thieves are using social networking sites like Facebook and MySpace® to find out your personal information. They use the information they find on the site to pretend to be someone they're not and coax other information out of you – like your Social Security number.
Child Identity Theft
Child identity theft works the same way as it does for adults: the thief acquires a child's personal information, then creates fraudulent accounts in their name. But because children usually don't have financial accounts until they are older, no one may find out about the theft for many years, allowing the problems to be greatly compounded.
Senior Identity Theft
Seniors are particularly vulnerable to identity theft, because most have significant accumulated wealth, and are often unable to monitor their accounts carefully. Many are also less knowledgeable about technology, and more trusting of strangers and marketers, increasing their vulnerability.
Student Identity Theft
College students are another high-risk group. School registration days and frequent unsolicited offers for new credit cards provide many opportunities to share personal information and Social Security numbers. Combine that with frequent address changes and unforwarded mail and it's a group ripe for picking by identity thieves.
How Identity Theft Affects You
The most common effect of identity theft is damaged credit. The thief runs up numerous charges in your name, doesn't pay the bill, and your credit suffers. When you apply for a credit card, a mortgage, a new apartment, etc. you have a major strike against you.
Cost to Repair Damage
Erasing fraudulent charges and correcting your credit record takes time - and money. The average victim spends 500 hours and $3,000 undoing the damage from identity theft.
One of the most devastating effects of financial identity theft is when the money you've worked hard to save suddenly goes missing — the work of thieves who got your ATM card or checking account information. Bank policies vary as to how much they will replace, but for many victims, this money is gone forever.
Medical Benefits and Health Coverage
If someone seeks treatment with your health insurance information, the thief's treatments could show up on your record, be taken out of your benefits, and even disqualify you from new health insurance. And most dangerous of all, if the thief's medical history is confused with yours, your own medical care could be jeopardized.
If an identity thief gives your name and personal information when he or she is arrested, the crime goes on your record. Some victims of identity theft have even discovered they're wanted in states they've never visited. The negative consequences range from legal fees or jail time to problems getting a job because of convictions on your record.
Social Security Benefits
If a thief gets your Social Security number, they can begin collecting your benefits or take a job using your name, leaving you liable for their taxes. Fixing this can take years of wrangling with government bureaucracy.
Effects on Children
If your children's identities are stolen, they may not find out for many years - not until they attempt their first financial transactions – opening a bank account, or applying for a credit card. The damage can make it difficult for them to get credit cards, car loans, or student loans.
Effects on Seniors
The impact of identity theft on seniors can be more significant than other adults. Many seniors are unable to attend to their financial affairs, so the fraud is more likely to go undetected for a longer period of time, creating more problems when it is discovered and less chance that the thief will be caught.