· What is Identity Theft?
· What are the various types of Identity Theft?
· How can Identity Theft affect me? What are my risks of becoming a victim?
· What are some current statistics regarding Identity Theft?
· How can IDTheftWise eliminate my risk of becoming a victim?
· What is the difference between the Bronze Membership and the Platinum Membership?
· What does the Bronze Resolution Assistance do for me?
· I don’t understand why (or how) the Platinum Membership is so comprehensive?
· How does Credit Monitoring work? What does “Alert Notification” mean?
· How does the complete Restoration Services Benefit work?
· What is the length (or term) of the membership?
· Is the Platinum Protection cost effective?
· My credit card company or bank also offers ID theft protection. Why do I need IDTheftWise?
· How can I activate my identity theft protection today?

What is Identity Theft?
Identity Theft occurs when someone uses your personal information without your knowledge to commit fraud. I.D.TheftWise wants to fight back, helping you protect your identity. According to the Privacy Rights Clearing House, “Identity Theft is the fastest growing crime in America today. It is the only crime where the suspect is presumed innocent before proven guilty, and the victim is presumed guilty until proven innocent.”

Identity theft takes may forms and the thieves still have many more reasons. Suffice it to say that if you shop online, receive pre-approved credit card offers in the mail, eat out at full-service restaurants using a credit or debit card, or provide your Social Security Number to anyone – you are at risk of becoming a victim of identity theft.

What are the various types of Identity Theft?
There are five major types of Identity Theft:

1. DRIVER’S LICENSE: Thieves use your information to buy vehicles or acquire a driver’s license in your name.
2. SOCIAL SECURITY: Thieves use your Social Security Number to gain employment or to report income under your name.
3. MEDICAL RECORDS: Thieves use your information for insurance benefits, prescription drugs or Medicare.
4. CRIMINAL: Thieves mask their criminal activity behind your identity. If someone commits a felony in your name, YOU will be served with the warrant.
5. FINANCIAL: Only 28% of identity theft is financial. Thieves use your information to open new accounts or to gain access to existing accounts.

How can Identity Theft affect me? What are my risks of becoming a victim?
The risks are great – in terms of lost wages, personal time lost, out-of-pocket expenses and piece of mind.

Identity Theft is so common that 1 in 25 people worldwide become a new victim every four seconds.

Identity thieves may open a new credit card account in your name by simply using your social security number and birth-date. When they use the card and don’t pay the bill – the delinquent account shows up on your credit report – impacting your ability to obtain credit for up to ten years.

Some thieves establish cell phone service in your name. Others open a bank account in your name and write bad checks on that account. Still others may use your social security number and ID to gain employment; or worse, use your identity when committing a serious crime.

What are some current statistics regarding Identity Theft?
According to the 2006 Identity Fraud Survey Report - released by the Council of Better Business Bureaus and Javelin Strategy & Research:

1. Annually there’s a 1 in 25 chance that you’ll become an identity theft victim - one identity is compromised every 4 seconds.
2. There were 8.9 million adult victims of identity theft in the U.S. during 2006 and that the average amount of fraud per case was $6,383.
3. Almost half (47 percent) of all identity theft is perpetrated by friends, neighbors, in-home employees, family members or relatives - someone known - when the victim can identify the perpetrator of data compromise.
4. The 35-44 demographic age group has the highest average fraud amount ($9,435). (Note: victims’ age was not found to be statistically related to Internet usage as compared to traditional types of fraud.)
5. Generation X (ages 25-34) has the highest rate of identity fraud at 5.4 percent. The average fraud amount for this demographic is $6,270 as compared to the average fraud amount for the 65+ segment which is $2,665.

According to the US General Accounting Office:

1. Over 85% of all identity theft victims are between 18 and 59
2. Depending on severity, resolution time range is 5 – 600 or more hours per incident; the average is 175 hours.

How can IDTheftWise eliminate my risk of becoming a victim?
Our Platinum Program uses a combination of technologies to detect identity theft at its earliest stages, restore your credit and prevent further damage. What this means to you is, you are alerted if anyone uses your Social Security number, accesses your credit report or applies for an account in your name.

The good news is, if caught immediately, the out-of-pocket expense and time spent resolving problems are drastically reduced. As such, our Platinum Membership service takes immediate action to notify your various creditors, the major credit agencies and government agencies.

Our Platinum Membership helps you, as a victim of identity theft, by quickly stopping the financial losses and by doing the work of recovering your identity for you – freeing up your time and money for other more important things.

What is the difference between the Bronze Membership and the Platinum Membership?
Both memberships provide assistance to victims of identity theft. The Bronze program is designed for resolution assistance. It provides you the basic tools in an ID Theft Resolution Kit; for you to re-solve an identity breach on your own with verbal assistance as needed.

The Platinum Program is designed with complete restoration services and credit monitoring in mind. The Platinum Program includes a combination of technologies to detect identity theft at its earliest stages, restore your credit and prevent further damage. What this means to you is, you are alerted if anyone uses your Social Security number, accesses your credit report or applies for an account in your name.

With the Platinum Membership’s credit monitoring feature you are immediately alerted when someone attempts to use your identity to obtain credit. Additionally, all of the identity restoration work is done for you – freeing up your time for more important things.

What does the Bronze Resolution Assistance do for me?
The complimentary Bronze membership provides Identity Theft resolution assistance in the form of an I.D. Theft Response Kit. This includes all the tools and instructions necessary to cope with having your identity stolen. Additionally, I.D.TheftWise’ 24/7 Emergency Call Center service is free to all Bronze members by simply making a toll-free call, from anywhere in the world. Simply provide your membership number, which is provided to you at the time of activation, to take receive information and assistance regarding correcting the damage to your identity. The benefits of this service include assistance with canceling and replacing all credit cards and assistance with placement of fraud alerts with credit reporting agencies. We feel this is a tremendous first step to helping all of our customers who fall victim to identity theft – providing piece of mind.

I don’t understand why (or how) the Platinum Membership is so comprehensive?
Recovering from identity theft is a time-consuming process. Victims spend an average of 175 hours recovering from an identity theft, according to the Identity Theft Resource Center. This is time many of us cannot afford to spend. That is why CARS is also offering the comprehensive I.D.TheftWise’s Platinum program as an upgrade.

The Platinum benefits start with the assistance benefits of the Bronze membership and add an assigned team of personal advocates to actually perform all of the restoration work for you. The merits of the Platinum program include a full suite of Credit Monitoring benefits designed to alert you of any changes to your credit report and provide an ongoing resource for credit report review. Identity Restoration benefits provide an assigned team of advocates to perform all of the time-consuming work to restore your credit and identity, if a breach occurs, freeing up your time for more important things. Finally, the Identity Theft Expense Coverage reimburses victims for certain expenses, including lost wages and legitimate out-of-pocket expenses, related to the theft, up to $25,000 with no deductible.

No other Identity Theft Protection Membership brings together such a complete suite of benefits as I.D.TheftWise. With such industry leading partners as Europ Assistance USA, TransUnion and AIG – the breadth of our service and protection is un-paralleled.

How does Credit Monitoring work?
With real-time, 24/7 credit detection, we alert you when changes happen to your credit file. You will receive email Credit Monitoring Notification Alerts for changes such as:

• Critical changes to credit reports
• Changes to existing accounts
• Inquiries into your credit file
• Address changes
• New collection accounts
• Credit limit increases
• Changes to public records

By staying alert and vigilant, you can minimize the potential impact of a credit breach. You will know immediately if anyone access your credit or uses your SSN to try to obtain credit from anywhere in the world. The good news is, if caught immediately, the out-of-pocket expense and time spent resolving problems are drastically reduced. This important benefit is included with the comprehensive suite of benefits available to the Platinum Mmeber.

How does the complete Restoration Services Benefit work?
One phone call from you, to our 24/7 Emergency Action Center triggers our step-by-step attack on Identity Theft. In the event you become a victim of identity theft, one toll-free phone call, from anywhere in the world, will put a team of specialist to work - taking immediate action to notify your various creditors, the major credit agencies and government agencies. A team of advocates, assigned to your case, will perform the following on your behalf:

• Provide participant with a uniform ID Theft Affidavit, answer any questions and submit affidavit to the proper authorities, credit bureaus and creditors.
• Obtain list of creditors and contact them with itemized fraudulent account statements for each fraudulent occurrence
• Report fraudulent activity to the local authorities
• Notify fraud department of participant’s creditors
• Notify all three major credit reporting agencies of identity theft
• Assist participant in placing a “fraud alert” on his/her credit report
• Report the identity theft to the Federal Trade Commission
• Provide the participant with a helpful ID Theft Emergency Response Kit
• Translate whenever necessary, such as when a caller is overseas and needs communication assistance
• Provide emergency cash advance when theft occurs away from home
• Draft a victim impact letter
• Determine best legal or other action to take against creditors or how to work with credit bureaus when necessary
• Give advice for ancillary problems caused by identity theft

What is the length (or term) of the membership?
The complimentary Bronze Membership is for a period of 12 months. Likewise, an upgrade to the comprehensive Platinum membership provides two options: 1) the standard of a 12 month membership or 2) a 36 month membership at a substantial savings – the cost of which only slightly exceeds twice the 12 month membership cost.

Is the Platinum Protection cost effective?
You protect your house, your car, and your health. Would you pay the same amount to protect your identity? For a lot less than any of those costs – you can protect your most valuable asset – your identity. As an example, at a cost equivalent to just slightly above ten dollars a month, our 36 month Platinum Membership is not only affordable, but provides the assurance that you are protected from the fasted growing crime in America today.

My credit card company or bank also offers ID theft protection. Why do I need IDTheftWise?
Did you read the terms of your protection offered by the other institutions? Chances are they offer terms and benefits similar to our Bronze Membership – at a cost to you. This is completely unlike our complimentary offer. They may include credit monitoring as a costly add-on. They probably don’t come close on the Restoration Services and Expense Re-imbursement Coverage provided with our Platinum Membership. What we have found is that these other plans offer pieces of our protection but typically don’t come close to providing the complete suite of services that our Platinum Membership provides. The decision is yours – we hope for the best but encourage you to plan for the worst.

How can I activate my identity theft protection today?
You must call 1-866-530-8557 to activate your complimentary membership. Be sure to ask about upgrading to the comprehensive Platinum plan. Call today, before it’s too late.

Call 1-866-530-8557; Your Reservation Code is: CAR0208009
Monday-Friday 9:00am – 7:00pm CST
Saturday 9:00am – 4:00pm CST

Protect Your Life. Protect Your Identity.