Identity theft can go way beyond credit cards
and on-line shopping. Unlike the majority of identity theft plans
available, Identity Theft ShieldSM
will not simply send you a few forms or walk you through the steps
of identity restoration. They're going to do most of the work for
Evaluate your current credit standing
• An up-to-date credit report through Experian at no added
• A personal credit score calculated by an independent scoring
• A detailed analysis of your personal credit score
Experts recommend that you review your credit report regularly.
The Identity Theft ShieldSM makes it easy.
Suspicious activity will be brought to your attention, providing
you with early detection.
You’ll receive prompt notice if the credit repository (Experian)
is notified that:
• New accounts have been opened in your name
• Derogatory notations have been added to your credit report
• Public records have been added to your report
• Inquiries have been made against your report
• A change of address has been requested
After you enroll, they will mail your membership materials to you.
This benefit is available to you after you complete a “Consumer
Report and Monitoring Authorization Form” provided in your
membership materials or you may call 1-800-654-7757
after your membership is processed by Pre-Paid Legal.
Coverage begins as of your membership effective date. Identity theft
can be devastating, and the process of restoring your name can be
overwhelming and costly. You need more than “do it yourself”
information if it happens to you.
With the Identity Theft ShieldSM a trained
expert will take the steps to help restore your name and credit
Kroll’s Licensed Investigators will work on your behalf to
help correct identity theft issues you have with affected agencies
and institutions, including: credit card companies, financial institutions,
all three credit repositories, Federal Trade Commission, Social
Security Administration, Department of Motor Vehicles, U.S. Postal
Service, law enforcement personnel and other organizations that
may be affected.
Fraud alert notifications will be sent on your behalf to all three
credit repositories, Social Security administration, Federal Trade
Commission, U.S. Postal Service and affected credit card companies
and financial institutions.
Proactive searches of applicable local and national databases will
be made on your behalf to look for information you may not be aware
of, including: criminal activity in your name in your county’s
records and certain federal watch lists, Department of Motor Vehicle
records in your state, unknown addresses affiliated with your name,
and banking activity in your name reported as fraudulent.
To apply for Identity Theft Shield, please
visit any of our 3 convenient locations. Or download, print and
mail the application to:
Attn: Administrative Assistant
5625 Mills Civic Parkway
West Des Moines, IA 50266-5324
EXCLUSIONS: Legal Remedy -
Any Stolen Identity Event where the victim is unwilling to prosecute
the person who caused the victim to suffer the fraud or its consequences.
Dishonest Acts - Any dishonest, criminal, malicious
or fraudulent acts, if the Member(s) that suffered the fraud personally
participated in, directed or had knowledge of such acts. Financial
Loss - Membership Services do not cover any financial losses
attributed to the Stolen Identity Event, including but not limited
to, money stolen from a wallet, unauthorized purchases of retail
goods or services online, by phone, mail or direct. Pre-existing
Stolen Identity Event Limitations - If either the victim
had knowledge of, or reasonably should have had knowledge of, the
pre-existing stolen identity event based on information provided
to them prior to enrollment in the Identity Theft Shield
program, such an event or the consequences caused by it are not
covered. Business - A covered stolen identity event
does not include the theft or unauthorized or illegal use of their
business name, DBA or any other method of identifying their business