Three Identity Theft Protection Programs Reviewed

July 15, 2009 by Terry.

In the marketplace for ID Theft Protection, three companies are taking the lead.  Invisus Direct, Wells Fargo, and Pre-Paid Legal & Kroll, Inc.  All three companies show to offer an identity theft service/product, but significant differences exist.

Invisus Direct primarily offers protection against online ID theft, through securing your computer with software which protects you from such predators, and insures you against ID Theft even if it happens in the offline world. If you already have strong PC protection from another software vendor, like McAfee or Norton, or you own a Mac, you may not need the protection that Invisus offers for around $14. 99 per month, per computer.

Wells Fargo offers ID Theft protection, with $10,000 in ID Theft insurance to cover the costs [reimbursed?] of restoring [who is doing the work of getting your good name back?] your identity if it is stolen [read the Fine Print].  Like Invisus, the usual suspects are monitored, such as your credit reports etc.

Pre-Paid Legal & Kroll, Inc. offers an IDentity Theft solution [not protection - because no-one can stop it but only reduce the risks] that monitors your credit report, the use of your Drivers’ License #, your medical records, and your Social Security #. The subscription costs begin at $12. 95 per month for member and spouse or significant other, but here is where Pre-Paid Legal & Kroll, Inc. , differs from the other two programs.

With Invisus and Wells Fargo, if your identity is stolen, they provide you with a do-it-yourself pack [this is typically known as Monitoring - they let you know it may have happened to you but you have to do the work; they may offer “Resolution” - if they not only send you a pack but they walk YOU through it], which contains form letters that you have to send to every financial organization with whom you have dealings, explaining the theft and attempting to remedy the situation.

According to the FTC, the average time this takes is 600 hours.

Pre-Paid Legal & Kroll have a different solution.  If needed, you sign over a Limited Power of Attorney to Kroll [the world’s leading risk consulting company] and their licensed investigators, and THEY spend the time sorting out the mess to make you whole again.

From my perspective, what they do tips the balance in favor of Pre-Paid Legal & Kroll, Inc. ; though, if computer security is your primary concern, you may wish to consider the physical/computer security options.

Something to keep in mind - professionals steal your identity ~~ Why not have professionals do the work for you?

Terry Kohler, Certified IDentity Theft Risk Management Specialist [through the Institute of Fraud Risk Management], has been marketing the Pre-Paid Legal and Kroll services, both on-line and person, helping others save thousands of $ like he has, since 2005 and protects himself and his family with Pre-Paid Legal and Identity Theft Shield[tm]. Details of the plans can be found here: * http://www. talktoday. us * [each link there has a 4-min video] and details of the Business Opportunity marketing such plans can be found here: * http://terrykohler. buildlastingsuccess. com * [copy links between the asterisk and paste to your browser, deleting the spaces after the . [dots] [sorry to request that of you — but for those two sites this is how I am reducing spam]

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