IDShield Individual

IDShield Plan Overview 

Accessing Identity Theft Services 

To receive identity theft consultation and restoration services, call 888-494-8519. For questions about the plan, contact Member Services from 7 a.m. CT — 7 p.m. CT, Monday — Friday.  

Who is Covered? 

The IDShield Individual Plan covers the member.  

RESTORATION SERVICES  

LICENSED PRIVATE INVESTIGATORS 

Members have access to consultation services provided by our Licensed Private Investigators. If a member experiences an identity theft event, one of our investigators will walk them through their issues with one-on-one advice tailored to the specific situation. Members will have access to an assigned and dedicated investigator throughout the restoration process. All Licensed Private Investigators are licensed in the state of Oklahoma.  

Our investigators’ credentials include: 

Fair Credit Reporting Act (FCRA) Certified 

Certified Identity Theft Risk Management Specialist (CITRMS) 

Certified Credit Scoring Specialist (CCSS) 

Certified Credit Report Reviewer (CCRR) 
 
 
 
FULL SERVICE RESTORATION 
 
If an identity theft event does occur, our Licensed Private Investigators will do whatever it takes for as long as it takes to restore a member’s identity to its pre-theft status. The investigator will work on a member’s behalf to resolve the issue by working with the appropriate government agencies, financial institutions, credit bureaus and collection agencies. No other company offers this high level of professional service.  
 
 
 
UNLIMITED SERVICE GUARANTEE 
 
If identity theft happens, we’ll do whatever it takes, for as long as it takes to restore the member’s identity. 
 
 
 
 
$25,000 INSURANCE REIMBURSEMENT  
IDShield provides a $25,000 insurance reimbursement policy, provided by a leading national carrier. This covers costs incurred as a result of identity theft, such as: 

• Lost Wages 
• Travel Expenses 
• Elder and Child Care 
• Initial Legal Consultation 

• Certified Public Accountant Costs 

MONITORING and DETECTION SERVICES  

AUTO MONITORING  

IDShield’s auto-monitoring provides members with monitoring services directly on the effective date of the plan. Using the member’s full Social Security Number (SSN), name, address and date of birth provided at time of enrollment, the member’s identity is automatically monitored. During account activation, members are encouraged to provide further information to enable all the monitoring services the plan provides. To activate their account members will be asked two questions about their credit history to successfully authenticate their account and confirm their identity.  

The following services are available for auto monitoring:  

Credit Monitoring  

Dark Web and Internet Monitoring  

Court Records Monitoring  

Public Records Monitoring  

Address Change Monitoring  
 
 
 
Only the named member is subject to auto monitoring. Spouse and dependent child monitoring will require separate set up by accessing the member portal. 
 
 
 
DARK WEB AND INTERNET MONITORING  
 
Billions of records are for sale on the dark web so real-time monitoring is vital. IDShield’s dark web and internet monitoring provides extensive scans of online sources for identity data and sends members real-time alerts if their PII is found. IDShield reviews thousands of websites and data points across the dark web to see if member information has been exposed.  
 
We monitor the following:  

Full Name  

Date of Birth  

Social Security Number  

Driver’s License  

Passport Number  

Mailing Address  

Phone Numbers (up to 10)  

Bank Account Numbers (up to 10)  

Credit/Debit Card Numbers (up to 10)  

Retail Card Numbers (up to 10)  

Medical ID Numbers (up to 10)  
 
Investment Account Number (up to 10)  

Username and Password Combinations (up to 10) 

Email addresses (up to 10)  

Mother’s Maiden Name  

National Provider Identifier Number  

Telecom Account  

 
 
 
 
USERNAME/PASSWORD (CREDENTIALS) MONITORING  
 
IDShield monitors the internet for instances where a member’s username and password credentials have been exposed. When these are found together online, it presents a strong indication that their online accounts have been compromised. The service continuously scans for a member’s username/password combination and will alert the member with details so they can follow up and change their login information on any accounts that use the exposed credentials.  
 
 
 
CONTINUOUS CREDIT MONITORING Members have access to continuous credit monitoring under this plan. (1B TransUnion and 3B TransUnion, Equifax, Experian) 
 
IDShield continuously monitors the member’s credit report for the following:  

Delinquent Account 

New Address 

New Tradeline 

Settlement 

Card Over Limit 

Lost or Stolen Card 

Participant Noted as Deceased 

Fraud or Victim Statement 

Bankruptcy 

Liens and Judgements 

New Employment 

New Collection 

  
 
 
 
IDENTITY THREAT ALERTS  
 
Members receive an alert via email or push notification on the IDShield Plus mobile app if their information is found online. Alerts contain details on the threat, including links to where the exposure occurred – giving members the opportunity to look over the information to either dismiss the notification or escalate the issue with our Licensed Private Investigators.  
 
 
 
INSTANT HARD CREDIT INQUIRY ALERTS 
 
Credit report inquiries are created when a member’s PII is used to apply for bank/credit cards, utility or rental query or many types of loans – including home, auto, business, mortgage, home equity or student loans. IDShield notifies members when their information appears on these reports, empowering them to take action if their data has been exposed by reviewing the alert with an investigator.  
 
 
 
CREDIT THREAT ALERTS  
 
IDShield monitors for changes or updates found on the member’s credit report in real time. We pull data from over 200 million files that represent nearly every credit-active consumer in the United States.  
 
 
 
MONTHLY CREDIT SCORE TRACKER  
 
The credit score tracker gives members the ability to watch their TransUnion credit score on a monthly basis with a map that shows a 12-month historic view of their credit trends from the past year – beginning when the service was first activated. 
 
 
 
 
 
 
PUBLIC RECORDS MONITORING  
 
IDShield monitors over 78 billion public record reports from more than 10,000 diverse sources to screen for 34 different pieces of PII – including name, address, phone number, email, SSN and more. The records contain the public, private and regulated data of over 283 million U.S. consumers which are checked for matches of member information.  
 
These reports include details on:  

Bankruptcy  

Motor Vehicle Records  

Driver’s License Records  

Criminal Records  

Business Licenses  

Tax Assessor Records  

Residencies  

Lease History  

Registrations  

Deeds  
 
 
 
COURT RECORDS MONITORING  
 
IDShield can determine if a member’s identity is associated with a criminal act by monitoring court records connected to their name, SSN and date of birth. Criminals can fraudulently use stolen identities, causing victim’s information to falsely appear on citations, arrest records, felonies, traffic offenses and convictions. IDShield monitors millions of dockets from the Administration of the Courts, the Department of Corrections, county courts and other legal agencies in search of member data. If a match is found, the member will receive an alert with the details. 
 
 
 
 
 
 
TELECOM MONITORING  
 
IDShield monitors phone number history associated with an individual and any phone number changes with a database of more than 1.2 billion landlines and mobile phones. Members will be assured that their phone number is not being redirected.  
 
 
 
ADDRESS CHANGE MONITORING  
 
IDShield monitors members’ address history in the United States Postal Service through the National Change of Address database, providing an 18-month snapshot of the nearly 40 million Americans who move each year. This service scans for change of address requests and sends a notification if member information appears in the database.  
 
 
ENHANCED SEX OFFENDER MONITORING AND ALERTS  
 
Members can learn if a registered sex offender lives near them. They’ll also receive alerts when a new offender moves into their neighborhood, out of their neighborhood or if someone in their neighborhood becomes registered. Members can search within a five-mile radius of their home address.  
 
 
 
SOCIAL MEDIA MONITORING  
 
In addition to privacy concerns, IDShield can monitor social media accounts for reputational risks as well. We’ll watch over the member’s Facebook, Twitter, LinkedIn and Instagram accounts to see if personal information has been exposed through images, captions, posts and comments. We’ll even inform a member when their social content presents reputational risks such as foul language, drug references or discriminatory terms. Members can control the sensitivity level of their alerts based on options chosen in their account settings - including categories for profanity, violence and more.  
 
 
 
DEATH-INDEX MONITORING  
 
IDShield searches the National SSN Death Index and will send an alert if the member’s information is found in the database. 
 
 
 
CONSULTATION AND ADDITIONAL SERVICES  
 
 
 
UNLIMITED CONSULTATION 
Members have unlimited access to consultation with an identity theft specialist who can provide advice on any identity-related issues or concerns. A member doesn’t have to be the victim of identity theft to take advantage of our consultation services. 
 
 
 
24/7 EMERGENCY ASSISTANCE  
 
In the event of an identity theft emergency, IDShield provides emergency access to live support 24/7, ensuring members can get help right away.  
 
 
 
CREDIT FREEZE AND FRAUD ALERT ASSISTANCE  
 
IDShield’s investigators will provide the member assistance with placing a credit freeze and/or fraud alert on their credit reports in the event of a breach or other identity theft incident. If their identity is stolen the LPI will issue fraud alerts to all three credit bureaus and with reporting agencies and creditors as needed.  
 
 
 
LOST/STOLEN WALLET SUPPORT  
 
Losing a wallet can be stressful, but our investigators are there to assist. We offer guidance to determine what may have been stolen and provide support for any resulting identity theft.  
 
 
 
SOLICITATION REDUCTION  
 
Reducing mail and phone solicitation helps lower the risk of thieves finding personal information to exploit. Our identity theft specialists are available to provide advice and assistance to reduce the number of unsolicited offers for credit cards and insurance members receive.  
 
 
 
MEDICAL DATA REPORT  
 
Our site provides a link to sources of medical data reports. Members can retrieve and review these reports for inaccurate or fraudulent information.  
 
 
 
IDSHIELD PLUS MOBILE APP  
 
The IDShield Plus mobile app makes it easy for members to access their benefits. Members can view their alerts and update their IDShield Membership directly via the app.  
 
Features Include:  

Push notification for identity and credit threat alerts  

Monthly credit score tracker  

Access to IDShield’s Licensed Private Investigators  

24/7 emergency access  
 
 
 
LANGUAGE SUPPORT 
 
IDShield’s investigators can provide language support in English, Spanish and French.  
 
 
 
LIVE MEMBER SUPPORT  
 
IDShield’s Licensed Private Investigators and Member Services’ team is available from 7 a.m.-7 p.m. CT Monday- Friday. Member support will also be available 24/7 for a covered emergency.  
 
 
 
UNLIMITED SERVICE GUARANTEE 
If identity theft happens, we’ll do whatever it takes, for as long as it takes to restore the member’s identity. 
 
 
 
 
 
IDShield is a product of Pre-Paid Legal Services, Inc. d/b/a LegalShield (“LegalShield”). LegalShield provides access to identity theft protection and restoration services. For complete terms, coverage and conditions, please see www.idshield.com. IDShield plans are available at individual or family rates. A family rate covers the named member, named member’s spouse and up to 10 dependent children under the age of 18. It also provides consultation and restoration services for dependent children ages 18 to 26. All Licensed Private Investigators are licensed in the state of Oklahoma. A $1 million insurance policy (with 3B plan) and $25K (with 1B plan) is issued through a nationally recognized carrier. LegalShield/IDShield is not an insurance carrier. Certain limitations apply. Dependent children of the named member or named member’s spouse under the age of 18 who permanently live in the same residence as the named member at the time of the stolen identity event are eligible for the insurance policy coverage. For a summary description of benefits for the policy see https://idshield.cloud/summary-of-benefits.  
 
 
 
The following items are not covered with the IDShield service:  
 
Legal Remedy - Any Stolen Identity Event where the Member is unwilling or unable to prosecute or otherwise bring a civil or criminal claim against any person culpable or reasonably believed to be culpable for the fraud or its consequences.  
 
Dishonest Acts - Any dishonest, criminal, malicious or fraudulent acts, if the Member(s) that suffered the fraud personally participated in, directed or had knowledge of such acts.  
 
Financial Loss - Any direct or indirect financial losses attributable to the Stolen Identity Event, including but not limited to, money stolen from a wallet, unauthorized purchases of retail goods or services online, by phone, mail or directly.  
 
Business - The theft or unauthorized or illegal use of any business name, DBA or any other method of identifying business (as distinguished from personal) activity.  
 
Third Parties not Subject to U.S. or Canadian Law - Restoration services do not remediate issues with third parties not subject to United States or Canadian law that have been impacted by an individual’s Stolen Identity Event, such as financial institutions, government agencies, and other entities.  
 
Marketed by: Pre-Paid Legal Services, Inc. dba LegalShield® and subsidiaries; Pre-Paid Legal Casualty, Inc.; Pre-Paid Legal Access, Inc.; LS, Inc.; In VA: Legal Service Plans of Virginia; and PPL Legal Care of Canada Corporation