Medical Identity Theft is like a million dollar credit card and you can actually die from this type of ID Theft. Medical IDT is not monitored by your credit repositories. Once your medical transcripts have been used and changed the only way you can review them is by hiring an attorney. The reason is because it now would be infringing on the other persons privacy. Stupid law I know but nonetheless it’s the law. The problem here is that your blood type can be changed, People have died pretty darn quick by receiving the wrong blood. Your lethal allergies to prescriptions drugs can be changed. Health insurance companies may drop you for over using the service, and you only find out about it when you need it the most. In an emergency, or when the collectors come to collect 13 months after your cancer or liver treatment that you never had. At that point you owe the full amount and your going to need an attorney to resolve this, not credit monitoring or credit lock down service.

Character/Criminal IDT, is when someone gets in trouble and says they are you. You don’t find out about it until your being arrested at a routine traffic stop. What do you tell the police officer, “You’re making a mistake, and you have got the wrong person.” That’s original! Your credit repositories do not monitor this either.

Social Security IDT is only partly monitored by your credit repositories for credit related issues. People have written death claims and cashed in on other peoples life insurance policies. Your credit repositories do not monitor this one.

Your credit repositories do not monitor Drivers License IDT either. Same as Character/ Criminal IDT except it affects your insurance as well. Imagine someone involved in a fatal accident says they are you, Gives your name, Social Security Number, and they give a false address so you never get anything in the mail to inform you of your court date for an incident you were never involved in. Finally they don’t show up to defend you at your trial so the judge writes a warrant for your arrest on site. Good luck! You’re going to need an attorney.

It will cost you $1400 before you hire an attorney just to get started cleaning these up and take a minimum of business 400-600 hours if you know what your doing and nothing else is happing to you like your sitting in jail or more IDT’s. Your going to need to hire attorneys paid by you, notaries and spend countless hours out of work to clean all this up between the hours of 8am and 5pm Monday through Friday.

When are you supposed to be at work again? That would be like taking off everyday all day for four months. I’m sure your understanding company will pay you in full for all that time off to fix your life. It will be like a vacation. Right? Wake up, your going to get fired, companies don’t want criminals working for them. And they don’t pay people who chose not to show up. So how many attorneys work for free?

The truth is there is absolutely no way in the world to prevent or stop Identity Theft. None. Locking out your life from credit accounts and credit monitoring are only preventive tools in one small area of IDT. It won’t help you at 10pm on a Friday night when the police are arresting you or your teenage kids as criminals wanted for armed robbery and murder in four states and reported as armed and dangerous criminals.

Also you should have your attorney read and disclose the fine print of your IDT Prevention contracts before you sign them. The contracts may not do what you think they do or the companies may not be so easily responsible as advertised once they get you on board. A lot of companies are jumping on board the Identity Theft Band Wagon and only very few can effectively deliver what they promise. I find that more advertising and the more they spend on radio ads the less they do for you when you need them. Your basically paying for that adds.

Two key words to look out for please stay away from these types of services are Resolution and Reimbursement. They typically mean in the fine print that you have to put out all the up front money to resolve your situation and there is usually a high minimum amount required. Then the company will review your case and determine for themselves if you should receive any of the money you invested into resolving the case back. It never means you get the money lost from the Identity Theft back. You have to do that all on your own. One company’s fine print says something along the very fine lines that they solely hold the right to determine if they were responsible for letting the IDT happen to you. If determined it was their fault they will give you a million dollars. But they will never be able to prove that they could have prevented it from happening so they are in fact never responsible to pay out one million dollars to anyone. Don’t take my word for it read the fine print of your contracts before you sign them. If you can’t, have your attorney read them for you.

Ultimately you have to make the best choice for you and your family. I am just suggesting before you put your eggs all in one basket, you should know what all the different eggs are and what eggs the basket holds. Looking for a solid Restoration program that covers all the areas of IDT is a great place to start. The contracts fine print should reflect the bold print that gets you all excited. After all it’s only your quality of life on the line.

That being said, you can’t argue that LifeLock doesn’t provide some value. There will always be loopholes and the reason the thieves were able to get a loan in his name is because the creditor didn’t run a credit check which probably doesn’t happen very often. I imagine that thieves have been trying to sucker him for a long time. Putting your social online might be a decent marketing gimmick but at what price. I see this is just one more way to help defend my info and hopefully stop all the junk that comes my way.

Interesting stuff.. thanks again.