General / Frequently Asked Questions

1. DO YOU NEED MY SS# OR DATE OF BIRTH? No. By using our proprietary ID Early Warning System system, we are able to protect you without the use of this personal, sensitive information.

2. I BELIEVE THAT I AM A VICTIM OF IDENTITY THEFT. WHAT SHOULD I DO? There is a series of steps posted on this web site (here) that victims should take.

3. IS MY INFORMATION SECURE? Yes. First we have the highest level of security systems possible in place. And, since we only use your name, address, and phone number to provide our service, your personal and sensitive information such as SS# and DOB is not at risk.

ID Early Warning System / Frequently Asked Questions

1. HOW DOES YOUR MONITORING SERVICE WORK? "Our proprietary ID Early Warning System, Identity Monitoring system searches hundreds of data sources looking for changes in key information.such as your address... that would indicate a possible identity theft. If we see an address change, we place a personal call to you to determine if you changed your address..or if someone else initiated the change. You may have initiated the change by moving or sending a bill to another address of yours. If you did initiate the change, then we update your file. If you did not initiate the change, then it could be the beginning of an ID theft." And ..then we provide you with the steps you need to take to protect your identity.

2. WHY IS THE ADDRESS THE KEY? The most severe form of identity theft is "identity assumption". This is the crime in which a thief gets your SS# and opens multiple financial accounts that you don't know about.or commits other non-financial id thefts such as committing crimes in your name or IRS fraud. In order to delay you finding out about these new bogus accounts, the thief gives the lender an address and telephone number that you don't know about. The bills for these new bogus accounts are sent to the thief's address and not yours. It typically it takes victims 9 months or longer to discover this type of crime and up to 44 months for one to repair their identity without the proper protection.

3. DOES YOUR SYSTEM PROTECT MY CURRENT ACCOUNTS? Generally No. The true identity thief is not interested in your current accounts. he is interested in setting up new accounts that you do not know about. This type of crime is really credit card fraud. Either your card issuer's internal security system or you when you receive your bill will catch the crime quickly. Your credit card issuer will remove those charges from your statement with little damage to you.

4. WHAT DO YOU MEAN BY NON-FINANCIAL SUCH AS IRS FRAUD? An example of IRS fraud is the widely reported case of Audra Schmierer from the San Francisco area. Audra had not worked in years but yet she received a bill from the IRS stating that she owed $15,000 from a job that she had worked in Texas four years earlier. Of course she didn't work that job. Someone had used her number to get a job leaving Audra with the IRS debt. The investigation further discovered that her SS# had been used in 17 states by 81 different people. In fact, one of the thieves purchased her number at a flee market.

5. WHAT KIND OF DATA SOURCES DO YOU MONITOR? We look at a broad range of both financial and non-financial. Some examples: are the three credit bureaus, cell phone records, white and yellow pages, insurance groups, subscriptions, financial institutions, and real property records.

6. WHEN YOU MONITOR THE CREDIT BUREAUS, ARE YOU MONITORING MY CREDIT OR MY CURRENT ACCOUNTS? No. We are looking at the address on these reports.which is the key to identity theft. The bureaus are only one type of the hundreds of sources that we use.

7. IS THIS CREDIT MONITORING? WHAT IS THE DIFFERENCE? No. Credit Monitoring looks at credit. ID Early Warning System watches hundreds of financial and non-financial data sources looking for the key to identity theft.which according to law enforcement is the address.

8. MY CREDIT MONITORING SERVICE SAYS THAT THEY MONITOR ADDRESS CHANGES AS WELL. WHY IS YOURS BETTER? The credit bureaus are only looking at the address they have while we look at hundreds of different financial and non-financial sources to compare the different sources to determine if there truly has been a change or is there an error in the data. Also, it was reported by the Federal Reserve that an independent study group determined that up to 79% of credit reports have some type of errors.

9. IS THERE A GUARANTEE THAT MY IDENTITY WILL NOT BE STOLEN? No one can guarantee that. However, ID Early Warning System was designed to catch an id theft early or before it happens. The key to limiting your damage is to take the proper steps after you become aware that there is a potential theft. If you discover it within the first 30 days, the FTC estimates that it takes about 10 hours to repair your identity. If you catch it later, it can take up to 300 hours and 44 months to fix.

10. HOW DOES YOUR SERVICE WORK WITHOUT SS #? PrivacyMaxx's technical and legal team's experience in background screening and data analytics goes back 16 years. That experience helped them develop this unique service.

Insurance / Frequently Asked Questions

1. I BELIEVE THAT I HAVE INSURANCE COVERAGE BUT I DID NOT GET A POLICY. AM I COVERED? Because you are covered under a “Travelers Master Policy,” individual policies are not issued. To learn more about your coverage, please review the “summary of benefits.” For additional information beyond that, please call Travelers at 1.866.434.3572.

2. HOW DO I FILE A CLAIM? Please call Travelers at 1.866.434.3572. They can help you 24/7.

3. CAN YOU ANSWER SOME QUESTIONS ON THE INSURANCE COVERAGE THAT IS PROVIDED? If you have questions which fall outside the scope of the material provided on this site, please call Travelers at 1.866.434.3572.

4. WHAT IS THE MASTER POLICY NUMBER? 916281

Recovery / Frequently Asked Questions

1. CAN YOU ANSWER SOME QUESTIONS ON THE RECOVERY COVERAGE THAT IS PROVIDED? If you have questions which fall outside the scope of the material provided on this site, please call Travelers at 1.866.434.3572.

2. HOW DO I GET THE RECOVERY SERVICES? If you determine that you are a victim, please call Travelers at 1.866.434.3572. You will have the choice of receiving information on how to fix your identity or Travelers will do it for you with your input. They will explain your options and the details.

3. IS THERE ANY ADDITIONAL CHARGE? No, there is no additional charge.

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