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Research Outline
Prepared for Maddie C. | Delivered March 25, 2020
Identity Theft Protection
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Goals
To determine if individuals can remove their contact information from the internet themselves and to provide a list of 4-6 additional companies that provide identity theft protection services.
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Early Findings
Getting Unlisted
The process of getting unlisted or deleting one's contact information can either be done by the
individual
or a
company
on their behalf. If the process is to be undertaken by the concerned individual, some steps should be taken.
The
first step
is to "call the local phone provider and ask to be unlisted and unpublished." The
next step
is to "search for one's name in online white pages, visit the website of each company that shows a search result with the name and phone number, and contact each company individually to have the contact removed from their database."
Identity Theft Protection companies abound to do
all the work
to get an individual unlisted and their identities protected. These companies typically charge between
$10 and $30 monthly
.
Identity Theft Protection Companies
LifeLock
LifeLock
is a
subsidiary
of Symantec that provides a wide range of identity protection and monitoring services. The company's pricing model is based on
membership
.
It's protection services are available in three membership plans. The first is
LifeLock Standard
which costs $8.99 monthly for the first year and can reimburse $25,000 for stolen funds. This plan provides identity & social security number alerts, and credit monitoring: One-Bureau.
The second plan is
LifeLock Advantage
which costs $17.99 monthly for the first year and can reimburse $100,000 for Stolen Funds. This plan provides identity and social security number alerts, credit monitoring: one-bureau, bank account & credit card activity alerts, alerts on crimes committed in one's name.
The last plan is
LifeLock Ultimate Plus
which costs $26.99 monthly for the first year and can reimburse $1 million for stolen funds. This plan provides identity and social security number alerts, credit monitoring: one-bureau, bank account & credit card activity alerts, alerts on crimes committed in one's name, annual 3 bureau credit reports and credit scores, and 401(k) & investment account activity alerts.
Privacy Guard
Privacy Guard
is another identity theft protection company. The company offers three distinct plans that are
billed monthly
. Before commencing any of the plans, users are allowed a
14-day trial
that costs $1 only.
The company's plans include
Identity Protection
which monitors the user's information for signs of identity theft. This plan costs $9.99 monthly.
Credit Protection
, the second plan provides triple bureau reports, scores and more. This plan costs $19.99 monthly.
The company's best plan
Total Protection
costs $29.99 monthly and offers both credit and identity protection services.
Privacy Guard also
constantly scans
"websites where identity thieves are known to buy and sell private information" to ensure that the personal, financial, and sensitive information of their clients are not at risk.
Complete ID
Complete ID
is a
product of Experian
, "one of the big three credit reporting agencies." One of these service's
valuable features
is "its neighborhood watch, updated monthly, which provides details on sexual predators and crimes in your area."
The company also offers "
monitoring
for unauthorized use of your Social Security number and other non-credit identity monitoring." It also provides a
$1 million insurance
on identity theft.
Complete ID works with
Costco
and offers two pricing plans.
Executive members
are charged $8.99 monthly while
Business and Gold Star
members are charged $13.99 monthly.
ID Watchdog
ID Watchdog's
competitive
advantage
is that "it helps its clients recover after being the victim of an identity theft experience." They
provide
child credit lock and social network alerts.
The company also offers a
guarantee
of "100% identity theft resolution." This guarantee comes with terms and conditions. The
recovery service
can only be offered if the defrauded client was an active customer as at the time the fraud took place.
ID Watchdog offers various
plans
for consumers, employees, brokers, and employers.
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