Recovery Process

What steps you, the victim, need to take and what our recovery advocate does on behalf of you.

Triage

Our Recovery Advocates conduct a thorough assessment of the member’s unique situation to determine if they are a victim and to evaluate their level of damage and/or risk. The recovery team will guide and advise the member on how to take the necessary precautionary steps to protect them against a future threat. If identity theft is confirmed, they will collect the necessary documents for opening a case for recovery service. Services include:

  • Instructing members how to obtain access to free credit reports
  • Advising the member how and under what circumstances they should set fraud alerts and credit freezes
  • Analysis of credit reports and/or financial statements to determine if they are an identity theft victim
  • Review of the member’s credit files with the member to determine the accuracy of the file and potential areas of fraud
  • Instruction on opting out from receiving pre-approved offers of credit and insurance in the mail which reduces the chances of fraud and identity theft
  • Additional identity theft related issues which include, but are not limited to, providing steps for protecting the member’s identity on-line including social networking sites such as Facebook, how to protect their identity while traveling, and what to do if their wallet/purse is stolen or lost

 

Recovery

Once the member has been through Triage and our team of recovery professionals has determined the member is in fact a victim, the member is assigned a personal recovery advocate and a case file is opened. The certified recovery expert handles everything necessary to restore a member who is an identity theft victim to pre-theft status. No limit is placed on the time it takes to resolve a case. Even after the ID theft has been resolved, Identity Theft Fraud Solutions team will continue to keep the case on file for 3 years if any additional ID theft issues from the original event. Recovery services include:

  • Use of limited power of attorney (LPOA) to work on behalf of the victim
  • Experienced certified professionals handle every case. The victim will be assigned their own personal Recovery Advocate who will work with them through the entire resolution process
  • Damage Assessment Plan of the member’s identity theft
  • Disputing and resolving any bills or collections resulting from fraudulent activities. Institutions can include, but not limited to, creditors, banks, lending institutions, criminal agencies, debt collection agencies, medical providers, insurance companies and others to resolve the identity theft issues – Instructions on how to file an identity theft police report
  • Post-recovery follow-up