3 Most Important Things to Include in Identity Theft Insurance

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A company that vows to protect its clients against identity theft should not just keep them away from the criminals; it should also provide identity theft insurance if someone successfully breaks into the account.  They should be liable for any loss because they hold paid operations for the safe keep of their customer’s personal records. There are so many types of deals regarding insurance of money stolen from identity theft. The list is so long but one should not go through all the written information just to know what are the most important. There are only 3 among the many that clients really need to keep safe. Written below are the 3 most valuable assets to be retrieved after being hit by a criminal who uses other people’s identity to steal money.

1.      Total Amount of Money Stolen

The company should guarantee that the money stolen should be given back to the owner. This is the main point why identity theft insurance was invented. People who are so afraid of losing all their savings due to the rampant issues about identity theft go to insurance companies. These people are expecting for a complete return of the money that was taken away. It is the problem of the insurance company where to get the money. Most of the time, they are doing the best they can to protect the personal records of their clients. They provide even extensive researches on black market operations for bank accounts just to see if their clients’ identity is already at stake.

 2.      Compromised Salaries or Wages

These criminals attack in two ways. One way is to get all the money at once and the other is to slowly and unnoticeably steal it. Wages are the most common targets for the latter technique. Salary deductions are often blamed to employers or banking issues. However, once, it is proven that identity theft is the reason, then; the insurance company should pay for it again. It is their duty to protect and make sure that nothing happens to their clients’ bank and other personal accounts. Sometimes, there are interest rates that are included in these deals. With this, the payment given by the company for the identity theft insurance concerning wages is higher.

 3.      Reclaiming Back of Identity

Never sign a deal that will only give you money for insurance. It is not enough to finish a deal by simply giving back the money that was stolen. It is also very important to fix everything that was damaged. This simply includes the deletion of the records that was used by the criminal. This also includes bringing back the identity to the original owner.  It is their responsibility to give their clients safe and comfortable banking and social security accounts even after the incident happened. It will also be better to catch the person doing all the malicious operations. If none of this can be done, it will be the duty of the identity theft insurance provider to renew all the records.

Hide With the Identity Cloaker

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What’s an Identity Cloaker? If you’ve not heard of it before, then you might be one of those that is asking what this is and what has it something to do with your online protection including keeping you out of fraud. First of all, it’s a privacy protection service online that you can rely on. You can be sure that your privacy will be protected by encrypting the information you sent online and through concealing or hiding your IP address. For many, it works wonders for them but you may be interested to know more about Identity Cloaker before deciding to get it for yourself or for your loved ones.

How Does It Work?

It can work even for the least technical person in the world. You will not need to follow any installation procedure. You will just need to download a PC app and then run it. You can then choose which proxy server to use or be connected to. Meanwhile, you can just click on the “Connect.” After this process, you can have a secure encrypted tunnel in your selected server through a Secure Shell or SSH. Usually, the process is known as the SSH tunneling.

What Are the Benefits of Identity Cloaker?

  1. You can make sure of safe internet browsing. It’s using encrypted data to be transmitted over an insecure connection when surfing online with your browser through using the cipher Rjindael AES-256, which is the same as what the Department of Defense is using when sending confidential information. They say that this cipher is unbreakable.
  2. Your Cloaker can hide or conceal your internet protocol or IP address. This address can be kept on server logs when you visit websites. It can be used to track you down including your location. As you can imagine, you may compromise your protection if your IP address is not hidden.
  3. You can hide where you really are. Instead of revealing your real location or country for instance, this Cloaker can actually pretend that you’re in a different location. For example, you can still visit those sites that do not allow visitors from your country to see their content. This will be beneficial for you if you would visit a website from a blocked country. For instance, the Cloaker can show that you’re from the United States if you were really in Europe.
  4. Once you’re signed up with the service, you can circumvent firewall restrictions that are set in your agency, school, or anywhere. With the Identity Cloaker, you can visit any website without having your employer or professor for instance know about it.

The Cloaker is not made to allow people to do the illegal. Although it can circumvent any settings made by third parties, it is not advised to use the service to do any illegal online activities. The service is not created to encourage people to do activities such as hacking, viewing adult contents, gambling, and other activities that are not allowed by any organization. If you would perform anything prohibited by the law, especially in the European Union and Czech Republic, the Identity Cloaker will interfere.

Five Tips to Identity Monitor

Do you want to learn about ways to identity monitor? Being watchful of your identity is what you need if you don’t want to compromise it in case someone would attempt to take it away from you. There have been many people who have been victims of identity theft. Because of it, they’re forced to pay the credits that other people have made under their name. You must secure your credit card, social security card, and billing statements, among others, to avoid this growing problem of identity theft.

How to Identity Monitor

  1. Beware of your debit cards. Unlike credit cards that do not require you to enter your PIN, these cards do need you to input your code number to accomplish a transaction such as withdrawing in an ATM. That is why many people say that the debit card is more of a liability than a credit card. In regards to the way you do transaction in these two cards, indeed there’s truth to that. If you lost your debit card, be sure to block it right away. You should call the issuing bank to close the account right away if you don’t want unauthorized of it. Avoid losing your money by following this identity monitor tip.
  2. Think of making automatic bills. There are people who have been victims of fraud because of check issuing. If you would write checks, you might be giving away too much information about yourself, business, signature, and bank account number.
  3. Always check your mail. There are thieves called Dumpster divers who intentionally scour or look for discarded credit cards, billing statements, and other credit information. To ensure your security, always consider checking your mailbox. Do not let the mail sit on it for a long time. It can be a good place for thieves to steal your information—your identity. In addition, you should have a key in your mailbox. In addition, you should shred all discarded credit cards and billing statements to avoid these Dumpster divers from getting your information.
  4. Use virtual card numbers. This is one of the most common options to identity monitor. You can use your virtual card number when buying something online and just dispose it once done with the transaction. You can simply throw away this card number after shopping. In the process you will avoid your identity from being stolen online.
  5. Think of making an identity kit. You can use this if you would be in an emergency situation. You can have your credit card number, issuing bank, and expiration date, among others. You can also have your social security card and driver’s license number on it. You should keep them in a safety box.

There you have the top five tips on how to protect your identity from being stolen. Do not let thieves use your personal information for their gain. Always secure your important information and keep a watchful eye when using them. Learn more tips to identity monitor today!

Who Would Want to Report Identity Theft?

To report identity theft is a process you might be interested to protect your identity from theft online or offline. As you may know losing your identity is like being a living dead, and it comes with drastic consequences including another person using your credit card in purchasing his items or services. Today’s article will talk about how to prevent losing your identity as well as what to do in case your identity is compromised.

What Identity Thieves Do

They’ll steal your identity and commit fraud under your name. One common problem that you might encounter when someone steals your identity is to damage your reputation and credit status. When it happens, you will need to repair your credit standing. It will cost you a lot of time and money to repair your credit standing but you may also check below to know how to lessen your risk.

Precautionary Measures to Prevent Losing Identity

  • If you don’t want to go through the tedious process to report identity theft, you should not bring your social security card at all times, especially in your wallet. Only give your SSN when needed.
  • Always protect your PIN. You should not write it on a piece of paper and keep it in your wallet. You may also consider changing your PIN from time to time. This will help you avoid identity theft. Also, avoid using PIN numbers that are very easy to spot such as your birthday, your loved one’s birthday, and other significant dates in your life.
  • Do not let anyone see your PIN number when you use your ATM to withdraw money. You should do the same when using a pay phone. Use one of your hands to shield another when entering your code.
  • Do not let the mail sit in the mailbox. Collect it as soon as possible to avoid identity theft. You don’t have to report identity theft if you can keep your valuable personal information secured and a secret to other people.
  • You should always keep your receipts in a safe place. This will help you watch out on unauthorized transactions on your credit card.
  • If you don’t receive your bills at the right time, you should contact the bank or the sender. It will help you avoid theft if you keep yourself updated or aware of the billing cycles.
  • Shred ATM receipts, expired cards, and unneeded receipts before throwing them away. This will also help avoid your identity from being stolen.
  • Every year, check your credit report. This will help you detect any unwanted access and help you report identity theft as soon as possible.
  • Don’t leave your personal information just anywhere. You should keep it in a safe place, whether you’re at home or in the office. It will also help you avoid identity theft.

As you see, there are safety measures everyone can do to avoid identity theft. You should not wait until your identity is stolen and used by someone else. Always keep your personal information safe and secured wherever you are. Avoid sharing it with anyone. Report identity theft right away if your data is stolen and you are compromised.

Stolen Social Security Card: Things You Need to Do

Your Social Security Number is one of your most important documents and a stolen Social Security Card prohibits you from doing a lot of things.  Your Social Security Number is highly confidential. The Social Security Administration does not release your Social Security Number to anyone except for valid reasons covered by the law. For your protection, you should not give your Social Security Number to anyone except again for valid reasons. When ask for your Social Security Number, you should always ask why it is needed.

Why Do You Need a Social Security Number?

Your nine digit Social Security number (SSN) is extremely important. Before you start your first job, you need to apply for a SSN. Your SSN is permanent. Once you are given one, it will be your number for life. Although you are not aware of it, you use your SSN almost every day. You do not need to physically present your Social Security Card though, you will only need to give your SSN, thus do not go around carrying your Social Security Card with you. Keep it in a safe place together with your other important documents because a stolen Social Security Card exposes you to a lot of risks.

  • When you apply for a job, you will be asked for your SSN.
  • When you need Social Security benefits, you will be asked for your SSN.
  • When you need to avail of any of the services of the government, you will be asked for your SSN.
  • When you need to transact business with banks and credit card companies, you will often be asked for your SSN.

What Happens When Your Social Security Card Is Stolen?

A stolen Social Security Card, not only requires a lot of things to be done, it also exposes you to a lot of possibilities. A thief can use your Social Security Number to avail of government services, apply for a credit card or apply for a mortgage in your name. When you lose or when your Social Security Card gets stolen, you can apply for a replacement. You are entitled to three replacement cards in a year and 10 replacement cards for life. You do not need to have your card replaced though if you memorize or have a copy of your stolen Social Security Card Number.

How Do You Report a Stolen Social Security Card?

You do not need to report a stolen Social Security Card or apply for a new one if you know your SSN. It is when someone starts to use your SSN that you need to file a complaint with the Federal Trade Commission. That is to protect you from identity theft. When your SSN gets into the wrong hands, it can be used for a lot of fraudulent activities. These fraudulent activities will be traced to your name and you will be held accountable.

 

How Do I Replace a Stolen Social Security Card For Myself?

When you have your stolen Social Security Card replaced, your card will have the same name and number as your previous card.  Here is how you can get your Card replaced:

  1. Secure a copy of the “Application for Social Security Card” from the website of the Social Security Administration.
  2. Compile all original documents that show proof of your identity, age U.S. citizenship or legal immigration status as the case may be. These documents can either be your birth certificate, passport, driver’s license or other types of document including any state issued I.D., employee ID card, health insurance card or school ID card.
  3. If you are a foreign-born U.S. citizen, show your U.S. Birth Certificate, U.S. Consular Report of Birth, your U.S. passport or your Certificate of Naturalization. If you are not a U.S. citizen, show proofs your work eligibility or immigration status. If you are a U.S. citizen born in the United States, you do not need to show any additional documents.
  4. Bring your completed “Application for Social Security Card” as well as all your original documents to your local Social Security Office. You need to apply in person.
  5. Your replacement card will be delivered through the mail.

How Do I Replace a Stolen Social Security Card For My Child?

Applying for a replacement of the stolen Social Security Card of your child has the same process as when you are applying for your own replacement card.  You also need to show proof of your child’s identity (Birth Certificate, school ID or Baptismal Record) as well as your own identity. Some of the documents you need to present though may vary.

  • If the child is not a U.S. citizen, the current I-94 Arrival/ Departure Record issued upon the child’s arrival in the United States needs to be presented.
  • If your child is an exchange student or visitor, child’s DS-2019 Certificate of Eligibility for Exchange Visitor status has to be presented.
  • Foreign students applying for a replacement card needs to present her I-20 Certificate of Nonimmigrant Student Status.

Applying for a replacement card is almost similar to applying for a new Social Security Card except that you will have the same Social Security Number as your previous one. Remember though that you do not need to apply for a replacement of your stolen Social Security Card if you memorize your SSN.