Identity Theft Recovery With Invisus Direct Q&A's Part I

There have been many questions regarding our Identity Theft Recovery..and the difference between others.  I am going to make this a few part serious because the questions and answers are in great detail!  This information will show you...how important it is to get Identity theft protection! 

If any of you have any questions to add, please feel free to ask! 

“ Legal Club of America, like ALL of PPL’s competitors, utilize an ‘open panel’ plan (which is a Directory of attorneys for the member to call.)

The above is a correct statement. LCA isAmerica’s largest Legal referral service. Here is a little more information about the LCA attorney base.

“Legal Club plan-member attorneys have an average of 19.4 years of experience in the legal field.

Plan-member attorneys can now keep their offices as well as their staff busy with new clientel!

Legal Club helps you build your practice by:

• Providing contingency based referrals
• Absorbing the cost of marketing your firm
• Increasing your client flow and office productivity
• Providing referrals from other attorneys in your area

Legal Club plan-member attorneys are required to maintain the following:

• $100,000 per incident / $300,000 aggregate professional liability insurance or at least the state-mandated minimums (furnishing us with a certificate)
• Agree to provide legal services to Plan-members of Legal Club of America while adhering to the most recent fee schedule, "Plan-member Guidebook", as published by Legal Club of America
• Maintain an office for the practice of law and be regularly engaged in the practice of law in their state.”

As far as the identity theft portion… ALL programs look good on the web and on paper.   Invisus says they assign a personal ‘Recovery Advocate’ to your case.  But what does that really mean?  Without a Limited Power of Attorney the member victim has to be involved every step of the way.

Since identities are stolen by professionals…  it ONLY make since to have it restored by professionals?  Restoration is the single most important component of identity theft protection yet it is the hardest to deliver by service providers because it means having an infrastructure of licensed investigators and attorneys on staff.  Many services will disguise this by using fancy terms like ‘Recovery Advocate’ to make you believe they will actually physically do the work of recovery.  Usually a little further into the sentence\paragraph they will use nebulous terms like help, guidance or assistance.  Which may mean they only provide a ‘HOTLINE’ for you call when you are a victim and you are greeted by someone in an outsourced call center that offers you ‘Do-It-Yourself’ information you could have downloaded on the net for FREE.

Ok, this will take a little bit. I know the above is about “ID recovery” however here at INVISUS that is the last piece on the service, not the first. Our focus is on prevention, monitoring and recovery.

Prevention: We secure most member’s computer with “best of breed” security software (anti-virus, anti-spyware, anti-malware, dual-gated firewall. All software is running in real-time 24/7) (some members opt-out of the computer based security protection.)

Monitoring: Here is a few of the monitoring benefits e provide our members:

·        Early warning system so members can see if anyone is obtaining credit in their names.

·        Provides members with an accurate and easy-to-understand summary of their credit records from one or all of the nation's top three credit reporting agencies.

·        Every credit report includes a credit score based upon data from one or all three of the nation's top credit reporting agencies. Included is an analysis of the leading "drivers" of an individual's score.

·        Members can call toll-free to speak with credit representatives for help understanding their report. We also provides the forms a member needs to tell a credit bureau what to change in the event of an discrepancy – and sends a new copy of the member's record 90 days later to verify the mistake has been corrected.

·        We alert members as to whether anyone has been looking into their credit at any one or all three of the nation's top credit reporting agencies. Members receive regular notification if a new line of credit has been opened in their name, or an inquiry or negative notation has been made to their files with that agency. Additionally, members will receive a quarterly positive notification if no activity has occurred.

·        We monitor members’ official driver's records, and notify them of any changes in their state of residence, or out of state charges.

·        We monitor members Medical Information Bureau if one exists.

·        We also monitor the internet underground.

Recovery: Here are a few things on our recovery process.

• Toll free access to one of our expert ID Recovery Specialist.
• Initial consultation to determine the severity of the fraud.
• Notify banking institutions immediately about the fraud while subscriber is on the phone if necessary
• Our proprietary, patent pending Kaizen software generates the personalized “ID Recovery Kit™” for overnight delivery and ready for notarized signatures.
• The Kaizen system has a database of hundreds of documents that are constantly being updated and can respond to 31 different types of ID theft.
• Provide assistance and directions for reporting fraud to the police and obtaining a report.
• Immediate electronic notifications sent to all required Federal, State and Private agencies.
• Prepaid return overnight shipping of the “ID Recovery Kit™”.
• We send out all return receipt notifications to the appropriate agencies including all creditors and credit reporting agencies.
• Assist the subscriber with replacing driver license, passport, social security card and any other identifying documentation.
• Help the subscriber obtain a “free copy” of their credit reports.
• Help educate the subscriber on how to best protect himself from reoccurring fraudulent activity.
• General advice for ancillary problems caused by identity theft.
• Help determine the best way to deal with creditors or how best to work with the credit reporting bureaus themselves to get fraudulent entries removed.
• We have a national network of attorneys that specialize in ID theft if it is determined that the best course action would be to get a local attorney involved.
• We provide complete time stamped documentation of the entire recovery process should it be needed later by the subscriber or by the authorities for prosecution purposes.