FAQs - ID Theft
- How can I protect myself against Identity Theft?
- We offer an incredible product called Smart ID which will protect you in the event that you are a victim of ID Theft. Once reported, you will have a personal specialist providing assistance and guidance through the whole process until your identity is restored and your credit is safe.
- How do I know I am a victim of Identity theft?
- Sometimes this can be difficult and many weeks or months may pass before you are aware of the fact. PCS offers monitoring programs to keep you apprised of your credit status and watch for potential ID Theft. In addition, our Member's Only page offers suggestions on how to protect yourself from Identity thieves.
- Who do I call if I have been a victim of identity theft?
- Your first call should be to PCS. Depending on what program you are a part of, a PCS representative will assist you in the proper direction.
- How can PCS help me once I am a victim of ID Theft?
- PCS offers full recovery of your identity. We will work with you until your identity is restored to its original good status.
- What if I am already a victim of Identity Theft?
- PCS offers a full service package to assist you with restoring your Identity to its original good status. Although this program is not inexpensive, it will save you untold amounts of time and frustrations dealing with a professional who can assist you with all of your needs.
- Why should I use PCS over another company who offers large insurance protection?
- Once again we tell you to read the fine print. Most companies offer a similar initial expense reimbursement that we do and then flaunt a $1million flag to attract business. In the first place, if the company is doing their job they should never have to pay this. Secondly, if you read the fine print, there are substantial clauses protecting them from ever having to pay this amount out. PCS is about long term relationships and not the quick buck like some of our competitors!
- Why do you not offer a trial period for your Id Theft programs?
- This is a tactic by our competitors to draw you in. Once you have completed your application and given your credit card, the likelihood that you will continue with them is great. We prefer the straight up approach. Why would anyone want to protect their identity for just a month? If you compare PCS to other companies, you will find that what you see is what you get. No Bait and Switch here!
- What is Identity Theft?
- Identity theft comes in many shapes and sizes. It can range from someone using a credit card they found or stole, to assuming a person's identity to commit fraud. No matter what the case, Identity Theft can cost you thousands of dollars as well as an enormous amount of time to reestablish your good name and financial status.
- How does Identity Theft occur?
- Most people do not think twice when throwing away old bank statements, Credit Card receipts, or other important financial documents. Identity Theft occurs when an individual obtains enough information on you to assume your identity with your bank, credit card company or other financial institutions. Once an individual obtains this information, they are able to apply for credit under your name or have new credit cards issued to them at another address. There are many ways these thieves obtain your information.
- They may steal your mail, including bank and credit card statements, credit card offers, new checks, and tax information.
- They may rummage through your trash, the trash of businesses, or public trash dumps in a practice known as "dumpster diving."
- They may get your credit reports by abusing their employer's authorized access to them, or by posing as a landlord, employer, or someone else who may have a legal right to access your report.
- They may steal your credit or debit card numbers by capturing the information in a data storage device in a practice known as "skimming." They may swipe your card for an actual purchase, or attach the device to an ATM machine where you may enter or swipe your card.
- They may steal your wallet or purse.
- They may complete a "change of address form" to divert your mail to another location.
- They may steal personal information they find in your home.
- They may steal personal information from you through email or phone by posing as legitimate companies and claiming that you have a problem with your account. This practice is known as "phishing."
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