IDTheftSmart

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The Truth about those credit locking services.

Is 25% identity protection good enough for you?

We've all seen the commercial. A real Social Security number is flashed across the screen on the promise that it doesn't matter because this person's identity is safe.

Let's set the record straight. These credit locking services can only prevent a small percentage of all the types of ID theft that are out there.

	Credit Locking Services	ID TheftSmart
Cost	$9.95 per month	$9.95 per month
Safeguards if someone tries to open a credit line in your name
Get a full credit report and score giving you a snapshot of your personal information
Continued protection that helps you spot suspicious activity with ongoing credit monitoring
Licensed investigators to actively manage your case file and help restore your identity to pre-theft status
Protection from fraud related to non credit sources, e.g. driver's license
Protection against diverse types of threats beyond credit files, such as threats involving your social security number
Identity management experts help you assess your ID risk and address suspicious activity related to your identity

Exclusions

Here are the facts from a February 2008 report from the FTC (Federal Trade Commission).

Only 14% of identity fraud involved new account credit card fraud
Only 23% of identity theft involved credit card fraud
Creating credit alerts (just like the credit locking services) can be done free by consumers with the credit agencies such as Experian. Simply contact the agencies to activate this free service.

Comodo offers essential infrastructure to enable e-merchants, other Internet-connected companies, software providers, and individual consumers to interact and conduct business via the Internet safely and securely. Our PKI solutions including, SSL Certificates, Extended Validation Certificates, Code Signing Certificates as well as Secure E-Mail Certificates, increase consumer trust in transacting business online, secure information through strong encryption, and satisfy many industry best practices or security compliance requirements with SSL.

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 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 activity.
Minors	Minors are fundamentally excluded given that (a) credit reporting agencies do not knowingly maintain credit files on minor children, and (b) minor children are unable to execute the Limited Power of Attorney (LPoA) required for certain processes as described herein. However, Kroll agrees to try to resolve identity theft issues for participant-minors through the processes listed in the Master Agreement, with additional reasonable efforts to address the challenges of working with minors, and within the solutions available through existing legislation and established industry and organizational procedures.