Identity Theft Protection Insurance

What is Identity Theft Protection Insurance?

Identity Theft Protection Insurance

Identity Theft Protection Insurance

            Many companies refer to their services as identity theft protection services. This service is specifically dedicated to   protecting personal information and preventing it from being stolen. These companies offer monitoring and recovery services. Monitoring services watch for signs that an identity thief may be using your personal information. Recovery services help you deal with the effects of identity theft after it happens.Monitoring and recovery services usually go hand in hand. They include usually services and accesses like credit reports or credit scores.

Monitoring Services



  1. a company checks your credit history
  2. a new loan or credit card account is opened in your name
  3. a creditor or debt collector says your payment is late
  4. public records show that you’ve filed for bankruptcy
  5. there is a legal judgment against you
  6. your credit limits change
  7. your personal information, like your name, address, or phone number, changes


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Questions to ask credit monitoring service providers:

  1. Which credit reporting agencies do you monitor?
  2. How often do you monitor CRA reports? Some monitor daily; others are less frequent.
  4. Are other services included, such as access to my credit score?


  1. change of address requests
  2. court or arrest records
  3. orders for new utility, cable, or wireless services
  4. payday loan applications
  5. check cashing requests
  6. social media
  7. websites that identity thieves use to trade stolen information


  1. Questions to ask identity monitoring providers:
  2. What personal information do you need from me and how will you use my information?
  3. Are other services included with the identity monitoring service? Do they cost extra?
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Identity recovery services

Identity recovery services are designed to help you regain control of your good name and finances after identity theft occurs. Usually, trained counselors or case managers walk you through the process of addressing your identity theft problems. They may help you write letters to creditors and debt collectors, place a freeze on your credit report to prevent an identity thief from opening new accounts in your name or guide you through documents you have to review. Some services will represent you in dealing with creditors or other institutions if you formally grant them the authority to act on your behalf.



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The issue of identity theft is swimming at a very high rate in the U.S. Over 13 million cases are reported every year. This is not a time to resort to being careful only as carefulness without commensurate action might not yield results. Identity theft protection insurance companies are everywhere. They help to monitor as well as recover stolen items. Your identity is your strength and when tampered with, your reputation and integrity are on the line.