by Brian Thompson | Apr 10, 2024 | Identity Theft
Fully Managed Recovery (FMR), is a service that provides more than just peace of mind; it offers a lifeline in the crazy aftermath of identity theft. FMR is a service that performs all tasks necessary to reclaim your identity, from completing and filing forms to contacting relevant companies, agencies, and financial institutions. It’s a comprehensive approach that leaves no stone unturned in the quest to rectify every fraudulent activity tied to your identity. Service Standards and Client Testimonials are a metric we use to ensure we deliver!
FMR is the foundation of our services and we are grateful to have an amazing team of recovery advocates. The stats and customer testimonials say it all.
2024 Q1
1st QTR : Resource Center Inbound Call Stats (All Queues) All stats are within Goal.
- Abandon Rate: 1.4% (Goal <3%)
- Avg Speed Answer: 0:16 (Goal <:20 seconds)
- % Calls Accepted 83.1% (Goal >80% in 20 seconds)
Fully Managed Recovery Testimonials
- “All my communications were met with very professional interactions.” Frank T. Defend-ID
- “I am very pleased with my interactions and services I received.” Robert S.
- “Excellent representative, very helpful and eager to help.” Marie W.
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” “I appreciate how quickly I received information to assist in protecting my identity and credit. I have since accessed my credit info through the service provided. I felt I was taken seriously, and your assistance was prompt and useful. Thank you.” Cynthia P.
- “Very thankful for this service. We feel a sense of comfort knowing that this service has been made available to us! Thank you!” Martha H.
- “Your service was very helpful during a very traumatic time. Thank you.” Patricia M.
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“Such a relief to have my concerns addressed professionally by my personal advocate. Thank you.” Linda B.
- “All I have to say is… Thank you, thank you, thank you! 😊” Terri W.
- “Overall, all my dealings with my recovery advocate were very professional.” Kevin O.
- “My advocate was extremely professional and kind during this difficult time.” Camille C.
- “I appreciate all the time, effort and information given!” Julie H.
- “My Restoration Specialist did a job well done. Many Thanks.” Raymond C.
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“My Advocate was a pleasure to have as our representative. She clearly understood our concerns and was very patient, taking time to answer every question we had. From our experience, she is a valuable asset to your company.” Lucinda H.
- “My Restoration Specialist gave excellent customer service throughout the original and call back communication. Thank you.” Ward L.
- “I’m truly thankful for the assistance provided and the services received.” Carole S.
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“I’ve had to use these services a couple times of the last several years and the service I’ve received was fantastic and the recovery advocates did an outstanding job.” Heather B.
- “My Advocate’s help was excellent, and she gave me her direct contact info in case anything else arises.” Jane A.
- “My advocate did an excellent job in explaining services and providing resolutions to my ID theft event.” Todd S.
Fully Managed Recovery service stands out as a place to turn when your world gets turned upside down. It’s not just about the statistics or the breadth of coverage; it’s about the stories of individuals who’ve had their burdens lifted and their identities restored. It’s about knowing that in your moment of need, you have a dedicated advocate ready to fight in your corner.
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Are you Protecting your employees with Identity Theft Protection? Connect with us: sales@defend-id.com
by Brian Thompson | Apr 3, 2024 | Breach, Identity Theft
Cyber threats are as common as coffee breaks, making the myth that cybersecurity falls solely within the world of IT is a terrible oversight. It’s a wide-reaching challenge touching every role from the ground floor to the executive suite. This article aims to dismantle the outdated view of cybersecurity, highlighting the essential role of identity theft protection and individual responsibility in creating a secure digital environment for businesses. Cybersecurity- More Than Just IT’s Job
Everyone Has a Part to Play
Gone are the days when cybersecurity efforts are the sole responsibility of the IT department. In today’s workplace, a single click on a malicious link by any employee can open the floodgates to cyber threats. It’s a reality that highlights the importance of every team member’s role in cybersecurity.
Employees at all levels frequently handle sensitive data, making identity theft protection an essential element of an organization’s overall cybersecurity strategy. Simple habits, such as regularly updating passwords, recognizing phishing attempts, and securely managing personal and professional information, can significantly reduce the risk of identity theft and data breaches.
Training: First Line of Defense
Knowledge is essential when it comes to protecting against cyber threats. Regular, engaging training sessions can transform cybersecurity from an abstract concept to a fundamental practice embraced by all. These sessions should not only cover the basics of cyber hygiene but also the nuances of identity theft and how individuals can safeguard their digital personas.
An environment where cybersecurity is discussed openly and questions are encouraged can demystify the subject, making it more approachable for everyone. Remember, a well-informed employee is an organization’s first line of defense.
Leadership’s Role
The tone for cybersecurity readiness is set at the top. Leadership’s commitment to cybersecurity is critical. Allocating resources for security initiatives, setting clear policies, and fostering a culture where security is everyone’s business, leaders can elevate cybersecurity from a niche IT concern to a universal priority.
Executives and managers should lead by example, demonstrating good cyber practices and actively participating in training sessions. This not only reinforces the importance of cybersecurity but also signals to every employee that their role in protecting the organization is valued and vital.
Cultivating a Culture of Security
Building a culture that prioritizes cybersecurity requires more than just annual training sessions; it demands a shift in mindset. Recognizing and rewarding employees who adhere to security practices can motivate others to follow suit. Similarly, creating channels for reporting suspicious activities without fear of retribution encourages a proactive stance against cyber threats.
Such a culture not only enhances the organization’s resilience against cyber attacks but also fosters an environment where security becomes second nature and part of the daily activities of every employee.
The Collective Shield
The narrative that cybersecurity is an exclusive domain of the IT department must be left in the past. With cyber threats becoming more sophisticated, the responsibility falls on each of us. Every employee, from new hires to the CEO, must understand cyber risks. Embedding strong identity theft protection is crucial for all.
Emphasizing collective responsibility for cybersecurity fosters an environment where everyone is empowered to contribute to the digital safety of the organization. It transforms cybersecurity from a daunting challenge into a shared mission, reinforcing the idea that, together, we are a formidable shield against cyber threats.
Cybersecurity- More Than Just IT’s Job
Dismantling the myth that cybersecurity is just IT’s job is no small feat, but it’s a necessary step toward building more protected organizations. We must embrace our roles and focus on strong identity theft protection. Fostering a culture of security awareness will safeguard our digital realms.
Get your identity theft response plan here: 
https://defend-id.ac-page.com/employee-identity-theft-response-plan?test=true
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by Brian Thompson | Mar 27, 2024 | General, Identity Theft
Ah, public WiFi – that sweet, sweet symbol of connectivity when carrier service is poor! Whether we’re sipping a latte in our local cafe or waiting for our flight at the airport, many of us hop onto public WiFi without a second thought. It’s become as routine as brushing our teeth. But here’s the million-dollar question: is public WiFi safe in 2024? (Understanding the Risks and Safeguards)
Today public WiFi networks have shifted from a luxury to a staple of our daily lives. But with great convenience comes great risk, or so the saying should go when it comes to these networks. It’s about time we asked ourselves – are we leaving our digital doors unlocked?
The Evolving Risks of Public WiFi
Let’s face it, the phrase “all public WiFi networks are inherently insecure” has been echoed by cybersecurity experts for years. But what does this mean in today’s context? Essentially, if a WiFi network is public, your online activities could be an open book for those with the know-how to snoop.
The common misconception? “If I’m paying for access, or if it’s a network in a reputable place, it must be safe, right?” Wrong. The reality is, that whether it’s free or paid, the inherent risks remain. Cybersecurity threats have only become more sophisticated in 2024, making public networks even more of a playground for hackers.
Public WiFi Usage: A Love Affair with Risk
It appears our love affair with public WiFi hasn’t gone down over the years. A survey conducted by DecisionData.org highlighted an eye-opening trend: a whopping 82% of individuals will connect to any freely available WiFi when out and about. What’s even more alarming? The majority of these digital adventurers don’t understand the potential dangers. While 71% of users brush off concerns, only a fraction are vigilant about their security.
Protecting Yourself in a WiFi Wild West
So, what’s a savvy internet user to do? First, let’s bust a myth – just because you’re not doing anything ‘sensitive’ doesn’t mean you’re safe. Every connection is an opportunity for data thieves. But don’t fret! Here are some steps you can take to shield yourself:
- Use a VPN: A Virtual Private Network encrypts your internet traffic, making it unreadable to prying eyes.
- Stick to HTTPS: Ensure the websites you visit are secured with HTTPS, which adds an extra layer of security.
- Enable Two-Factor Authentication (2FA): This adds an extra step to your login process, significantly improving your accounts’ security.
- Keep Your Firewall Turned On: This helps block unauthorized access to your devices.
- Stay Updated: Regularly update your devices to patch any security vulnerabilities.
In the grand scheme, public WiFi in 2024 remains a double-edged sword – offering convenience at the cost of potential risks. But with the right precautions, you can enjoy the perks while minimizing the dangers. Stay informed, stay secure, and happy surfing!
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by Brian Thompson | Mar 20, 2024 | Identity Theft
Ever wondered how someone you’ve never met could steal your identity? You’re not alone. In the digital age, identity theft has evolved, with criminals becoming increasingly sophisticated. Yet, with the right knowledge, you can armor yourself against these invisible invaders. Here’s a comprehensive guide to the dark world and common ways identity theft occurs and the shining shields you can employ to protect yourself.
- Introduction
- Key Takeaways
- Part 1: Common Methods of Identity Theft
- Phishing
- Smishing and Vishing
- Fake Websites and Impersonation Scams
- The Data Breach Epidemic
- Skimming: High Tech Pickpocketing
- Part 2: Less Known But Equally Dangerous Methods
- Public Wi-Fi and USB Charging Stations
- The Dark Web
- Inside Jobs: Theft by Family or Friends
- Old-Fashioned Thievery: Mail and Trash Theft
- Targeted Attacks: Child, Elder, and Estate Identity Theft
- FAQs Section
- Conclusion
Key Takeaways
- Identity theft exploits personal information through various methods.
- Recognizing common scams can significantly reduce your risk.
- Regularly monitoring your financial statements can catch fraud early.
Part 1
Phishing: The Baited Trap
Phishing is a deceptive act where scammers masquerade as reputable entities to steal your sensitive information. Imagine receiving an email, seemingly from your bank, asking you to update your account details. Looks legit, right? Wrong. Clicking that link and entering your info could hand over the keys to your financial kingdom to a stranger.
Protection tip: Always verify the sender’s email address and never click on suspicious links.
Smishing and Vishing: Modern Twists to an Old Game
These are the evil twins of phishing, using text messages (smishing) and phone calls (vishing) to lure victims. They play on urgency and fear, like a message from ‘your bank’ about a fraudulent transaction.
Protection tip: Never give out personal information over text or phone to unsolicited requests.
Fake Websites and Confidence Tricks: Digital Deception
Ever landed on a website that looks just like your online banking portal? That could be a counterfeit designed to snatch your credentials. Similarly, confidence tricks, like an ‘IRS agent’ demanding back taxes, play on trust and authority.
Protection tip: Double-check URLs and don’t be pressured by authoritative tones in unexpected calls.
The Data Breach Epidemic: A Hidden Menace
Data breaches expose vast amounts of personal data. These incidents are becoming alarmingly common, leaving everyone’s information potentially up for grabs.
Protection tip: Change passwords regularly and monitor your accounts for unusual activity.
Skimming: High Tech Pickpocketing
Skimming devices, installed on ATMs and gas station pumps, can steal your card data in seconds. These devices are hard to spot but can be a goldmine for thieves.
Protection tip: Inspect card readers and use NFC payments if possible.
Part 2
Public Wi-Fi and USB Charging Stations: A Hacker’s Playground
Public Wi-Fi may seem like a modern convenience, but it’s also a playground for hackers. They can easily intercept your data, stealing passwords and personal information. This threat isn’t limited to your online coffee shop; even USB charging stations, like those found in airports, can be compromised in what’s known as ‘juice jacking’.
Protection tip: Avoid accessing sensitive information on public Wi-Fi and use your own chargers. Learn more about Wi-Fi security here.
The Dark Web: Where Your Information Could be Up for Sale
The dark web is a hidden part of the internet where criminals buy and sell stolen data, including personal and financial information. It’s a secretive place that isn’t accessible through regular browsers.
Protection tip: Consider dark web monitoring services to alert you if your information appears online. What is Dark Web Monitoring
Inside Jobs: When Trust Is Broken
It’s a painful truth, but sometimes those closest to us are the culprits. From using a child’s SSN to open a credit card to a friend taking out a loan in your name, these betrayals are devastating.
Protection tip: Keep personal documents secure and be cautious about sharing personal information, even with those you trust.
Old-Fashioned Thievery: Mail and Trash Theft
Believe it or not, old-school methods like mail and trash theft are still prevalent. Identity thieves sift through your garbage or intercept your mail to find valuable information.
Protection tip: Secure your mail and shred important documents before disposal.
Targeted Attacks: Child, Elder, and Estate Identity Theft
Children and the elderly are particularly vulnerable to identity theft. Likewise, deceased individuals’ identities can be exploited through estate fraud. These groups may not monitor their credit, making them easy targets.
Protection tip: Keep a close eye on the credit reports of those you’re responsible for, and be vigilant with the personal information of deceased loved ones.
Remember, identity theft can happen to anyone, but knowledge is power. By staying informed and vigilant, you can protect yourself and your loved ones from falling victim to these invasive crimes.
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by Brian Thompson | Mar 13, 2024 | Identity Theft, Mortgage
Enhancing Financial Institutions with Identity Protection Services (IDPS) is crucial in the intricate world of financial transactions, especially within mortgage dealings. IDPS serves as a vital line of defense, safeguarding sensitive data and financial exchanges from cyber threats. Below we will explore the crucial role of IDPS in financial services, focusing particularly on the mortgage sector, and demonstrate how they boost security and build customer trust.
The Imperative for Enhanced Security in Financial Services
Recent data from Javelin research shows a clear demand for strong security. About 64% of consumers value alerts on suspicious purchases, and 61% like to be informed about new account openings. Yet, a remarkable 94% see the value in cybersecurity education from their FIs. This presents FIs with a great chance to boost trust and engagement. They can do this by offering timely alerts and useful educational content, keeping customers informed and safe from threats.
The Unique Dynamics of Mortgage Transactions
Mortgage transactions, characterized by their high value and sensitivity, present a lucrative target for cybercriminals. The involvement of extensive personal and financial information renders these transactions particularly vulnerable. Implementing IDPS in the mortgage process not only safeguards this sensitive data but also instills a sense of security in consumers, potentially enhancing the customer experience and trust in the financial institution.
Unpacking the Benefits of IDPS for Financial Institutions and Customers: The integration of IDPS offers multifaceted benefits:
- Proactive Threat Detection: IDPS systems enable real-time monitoring and detection of suspicious activities, significantly reducing the risk of data breaches and fraud.
- Enhanced Customer Confidence: With 94% of consumers valuing cybersecurity education, FIs that provide transparent, effective security measures and education can significantly bolster customer trust and loyalty.
- Adaptability to Emerging Threats: IDPS systems are continuously updated to counteract evolving cyber threats, ensuring robust protection for both the institution and its customers.
Financial Institutions Rising to the Challenge:
Banks like Truist and Bank of America lead with new security steps. They use virtual assistants and customized alerts. These meet various customer needs. Still, the work isn’t done. Only 14% of big FIs use phone alerts. Few use games to teach about cyber safety. There’s much room for growth.
The Consumer Perspective
The growing consumer investment in IDPS, especially those including children, from 2022 to 2023 — increasing by 7 percentage points — signals rising awareness and demand for comprehensive family cybersecurity solutions. However, the perception of the necessity for full-family coverage remains low, with 61% of consumers not including children in their IDPS coverage, primarily due to a lack of awareness or underestimation of the risks of child identity theft.
The landscape of financial cybersecurity, particularly within the realm of mortgage services, is evolving rapidly. The role of Identity Protection Services in financial transactions and personal data has never been more critical. Financial institutions must not only adopt and enhance IDPS solutions but also actively educate and engage their customers on the importance of cybersecurity, turning the tide against cyber threats and fostering a safer financial ecosystem.
FAQs:
Q: What role do consumer preferences play in IDPS implementation?
A: Consumer preferences significantly influence the deployment of IDPS. Preferences include varying demands for alert types and communication methods. Tailoring these services to meet customer preferences can enhance engagement and efficacy.
Q: How do IDPS contribute to customer trust?
A: By actively protecting customers from cyber threats and educating them about security practices. IDPS enhances consumers’ confidence in their FIs, fostering stronger customer relationships.
Q: Can IDPS adapt to new types of cyber threats?
A: Yes, IDPS are designed to be dynamic and evolve in response to new cybersecurity challenges. This provides ongoing protection against a spectrum of digital threats.
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Statistics from Javelin Research
by Brian Thompson | Feb 21, 2024 | Employee Benefits, healthcare, Identity Theft
Guarding Employee Wellness: Why Identity Theft Protection is a Great Option for Business Owners and HR Leaders
In today’s rapidly evolving work landscape, the separation between professional and personal life is becoming increasingly blurred, especially with the increase in remote working. In this newer working environment, employees crave benefits that cater not only to their physical health but also to their financial and emotional wellness. The LIMRA-EY 2023 Workforce Benefits Study brings to light this shift by introducing the Wheel of Wellness, encompassing five key dimensions of wellness: Physical, Mental, Financial, Societal, and Professional 1.
A novel yet pivotal benefit that aligns with multiple facets of the Wheel of Wellness is Identity Theft Protection. Here’s how it dovetails with the five key dimensions:
- Financial Wellness:
Identity theft is no minor issue; it’s a financial slap in the face. The average loss per person is a staggering $3,500. In the United States, total identity theft losses amount to $10.2 billion 2. Offering identity theft protection is a proactive step towards safeguarding an employee’s financial wellness, and ensuring economic resilience, which is a core part of the financial dimension of wellness.
- Mental Wellness:
The ripple effects of identity theft extend beyond financial loss to mental turmoil. The peace of mind from knowing there’s a safety net can be invaluable in promoting mental wellness among employees 3 4. According to the ITRC study, 75% of respondents showed severe distress stemming from the misuse of their information, leading many to seek professional help to navigate their identity theft ordeal—whether it entailed consulting a doctor for physical symptoms or engaging in mental health counseling.
- Professional Wellness:
The time and focus consumed in resolving identity theft issues can impede professional performance. By offering identity theft protection, employers show a proactive stance in supporting their employees’ career development and performance, aligning with the Professional dimension of wellness.
- Societal and Physical Wellness:
While these dimensions may not seem to have a direct link to identity theft protection, a comprehensive approach to employee wellness fosters a conducive environment for societal engagements and physical wellness.
The Stark Reality
A substantial number of Americans are living on the financial edge. Recent surveys reveal that a third of Americans have $100 or less in their savings account going into 2023 6, and many cannot cover a $1,000 emergency 7. This precarious financial situation underscores the necessity of identity theft protection as a part of employee benefits.
Incorporating Identity Theft Protection acts as a barrier against financial distress. Additionally, it contributes to the mental and professional well-being of employees. This benefit’s ripple effect resonates through the Wheel of Wellness. It creates a holistic protective shield around employees. For business owners or HR leaders, including identity theft protection in your benefits is a forward-thinking step. It nurtures a well-rounded, satisfied, and productive workforce. In a fiercely competitive talent market, offering this comprehensive benefit can bolster your employer brand. It makes you a preferred choice among top talents.
As the terrain of work continues to morph, adapting your benefits package to include identity theft protection is not merely about staying current; it’s about fostering a culture of comprehensive wellness and showing a genuine interest in the multifaceted well-being of your workforce.
Ready to arm your employees against identity theft and enhance their overall wellness? Click here to request a comprehensive Identity Theft Protection Employer Response Plan. Your employees will thank you for it!
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