If you think you're immune to identity theft, you're wrong.

It is no exaggeration to say that we live in an information age. Thanks to modern technology, we can do business and conduct transactions in a couple of seconds. A new kind of crime has emerged as a result of the proliferation of personal information: identity theft.

According to a Federal Trade Commission press release, more than 27 million people in the United States have been targeted by identity thieves since 1999. That number keeps rising year after year. According to the FBI, almost 10 million individuals in the United States were hacked by identity thieves in 2003.

In other words, what does it entail? If your credit card has been fraudulently used, shouldn't your credit card company be able to assist you? Nearly 60% of identity theft cases, according to the FTC, do not include your current credit card accounts. There are several ways in which your identity might be stolen, including new credit lines being created in your name, phone/utility fraud, and even employment-related fraud. We are all at risk since we are exposed in so many different ways in our everyday lives.

Do you have any ideas? If you were in this position, where would you turn for help? Do you know where to begin to cleanse your identity? We've got the solution for you, so you don't have to wonder what to do.

Pre-Paid Legal Services, Inc. is a pioneer in the legal services market, as you probably know." Kroll Inc., the world's leading risk consulting organization, has joined forces with us to provide legal rights protection to our members.

Kroll has assisted businesses, governments, and individuals for more than 30 years to lower their risk exposure and take advantage of commercial possibilities. Kroll is a subsidiary of Marsh Inc., a subsidiary of Marsh & McLennan Companies, Inc., a worldwide professional services organization that provides risk and insurance services. Kroll can operate and restructure businesses; examine accounting practices and financial documents; gather and filter electronic evidence for attorneys; recover lost or damaged data from computers and servers; conduct in-depth investigations; screen domestic and foreign-born job candidates; protect individuals; and improve security systems and procedures with offices in more than 60 cities in the United States and abroad. It has taken Kroll three years to design a unique solution for those who have been victimized by identity theft. The IDENTITY THEFT SHIELD feature is now making this additional service accessible to Pre-Paid Legal subscribers.

What do our members get out of this perk?

Your credit rating and ability to fight back against an identity thief may be easily accessed via the Identity Theft Shield. This benefit is meant to warn you of suspicious account activity and to repair any harm to your credit history that may come from this behavior.

Obtaining a copy of your credit report from Experian

It's imperative that you double-check the accuracy of your financial records.

One of the most valuable financial assets is your credit rating. When it comes to getting a loan, your credit score might have an effect on the interest rate you can obtain. When it comes to getting health insurance or finding work, having a low credit score might have an impact. Some insurance providers and potential employers analyze your credit rating to determine your level of responsibility.

Credit reports should be checked on a regular basis, according to experts. It's simple with the Identity Theft Shield. Free credit reports from Experian are available to members at no extra cost.

Experian's Personal Credit Report and Analysis

Make sure you understand how your credit rating impacts your capacity to borrow money.

The information in your credit report is what goes into calculating your credit score. Your creditworthiness is determined by this score, which lenders use. In order to be eligible for a credit card, you must have a higher credit score.

Your credit report will provide a full breakdown of your personal credit score. With the help of this report, you may assess your present credit situation.

Keeping an eye on one's credit history on a regular basis By means of Experian

Before your credit is destroyed, be aware of any unusual activities.

Even an experienced criminal may take over your identity in less than one hour. However, the process of restoring your credit might take many years. Early identification is the key to reducing the harm done by criminals who steal your identity.

Having an Identity Theft Shield subscription means that Experian will check your credit files every day. You'll be alerted to any suspicious behavior, allowing you to catch it before it gets out of hand. In the event that any new accounts are created in your name, or if any bad information is posted to your credit report, you'll be notified immediately through email.

A Restoration Company that is a Scam

Take advantage of one-on-one consultations with professionals.

It's imperative that you take care of any errors right away. You may contact our Customer Service Department at the specified Identity Theft Shield phone number and describe your problems. Our fraud detectives will be there for you every step of the way if you've been the victim of identity theft.

As soon as possible, we'll send you a comprehensive fraud restoration kit that includes all of the necessary supplies and instructions.

To get Enhanced Restoration Services, you must first execute a Limited Power of Attorney. If you suspect that your credit or personal information has been compromised, Kroll can help. Kroll will notify the three main credit repositories—the Federal Trade Commission, the Social Security Administration, and the U.S. Postal Service—on your behalf of any suspected credit card or other identity theft. With Kroll's help, you can get your credit back to where it was before you were a victim of identity theft. If required and reasonable, Kroll will assist with law enforcement, the DMV, and other agencies to address your identity theft concerns.

Only basic consulting services are available if you reject the Limited Power of Attorney option. Kroll can assist you in determining the scope of any credit or identity theft. Contact information and procedures for the entities you will need to deal with will be provided to you by Kroll. A toll-free phone number will be provided by Kroll for support and guidance during the process of regaining your identity.

Theft of a corporate identity or theft of an individual's identity that happened before the time of the membership registration is not protected. You will not be eligible for Identity Restoration if you, your spouse, or your child engaged in, directed, or had knowledge of dishonest, criminal, malevolent, or fraudulent behavior.In the case of an already-existing, well-documented identity theft, no restoration services will be offered. To access restoration services, you must be a current, paying member. Identity theft damages are not covered by plan benefits.

What if I told you that the typical person had to fork out $1,200 to clean up their name?

When you use Pre-Paid Legal's identity theft shield, the expense of protecting yourself against identity theft is significantly reduced. Members of Identity Theft Shield may rest easy knowing that for only $12.95 per month [$9.95 with the Pre-Paid Legal subscription], they'll have someone fighting for them in court. Best of all, you and your spouse get advantages from this monthly charge.

Television, newspapers, magazines, talk shows, and other media outlets are awash with stories about identity theft. Isn't it sensible to obtain this kind of insurance now that you're aware of its existence? Imagine how much better off you and your spouse would feel knowing that if you became a victim of identity theft, you and your partner would have access to all of these services.

Call 866-564-6775 to speak with Naomi Gonzalez, Independent Associate, about becoming a member of the Identity Theft Network. Don't put it off until it's too late! If you'd like additional information, you may visit go-prepaid.com.

Please refer to the Identity Theft Shield written material provided by Pre-Paid Legal for a complete list of disclosures and exclusions.