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F.A.Q.

What is identity theft?
What should I do if I am a victim of identity theft?
Can I restore my credit myself?
How long will it take for my credit records to be corrected?
How will I know that my personal information will be kept confidential?
How much will it cost me?
How long will information stay on my credit report?
What is a credit bureau?
What is the Federal Trade Commission?
How do I contact you?





What is identity theft?
When someone acquires key pieces of another's personal information to impersonate or commit crimes in that person's name; i.e., stolen Social Security number, stolen credit card or stolen checks

What should I do if I am a victim of identity theft?
Report the crime to the police immediately. Get a copy of your police report and then contact us. We'll take care of it.

Can I restore my credit myself?
Yes you can. However, statistics show that it takes an average of 300 hours at a cost of more than $1,500 if you do it on your own. You also run the risk of missing something that could continue to damage your credit. We know all the steps to take.

How long will it take for my credit records to be corrected?
We complete the recovery procedure within 90 days of your signing up with Identity Recovery Team.

How will I know that my personal information will be kept confidential?
We understand that your identity is a valuable asset that deserves special protection. We take every precaution to protect your information, keeping it confidential and secure. In certain instances, we may need to share details of your theft with your creditors; government agencies and privacy advocates and will only do so after we have your consent. We strictly adhere to the guidelines of the Federal Trade Commission consumer protection program.

How much will it cost me?
We have several programs for you to choose from, based on the extent of your identity loss.

How long will information stay on my credit report?
Most collection items stay on your report for seven years, and bankruptcies stay on for ten years. Inquiries remain for two years. Fraud information should be deleted from your credit report within 30 days.

What is a credit bureau?
Credit bureaus or credit reporting agencies are basically clearinghouses for information about consumers' credit. When you apply for credit, they provide this information to qualified requestors. There are three main credit bureaus: Experian, Equifax and TransUnion.

What is the Federal Trade Commission?
The Federal Trade Commission (FTC) enforces a variety of federal antitrust and protection laws, including the federal Fair Credit Reporting Act, the law that regulates consumer-reporting agencies, those who use credit reports, and those who furnish information to consumer reporting agencies. The FTC ensures that all three parties (consumers, consumer reporting agencies and lenders) are treated in a affair and just manner.

How do I contact you?
Simply give us a call at 866.666.0129 and our Customer Service Representatives will take care of it.



Secretary of State
Learn how you can replace a lost or stolen Michigan Driver's License.

Mi State Police

Click here for more information about Identity Theft Services in Michigan.

Social Security Online

Don't panic if your Social Security number has been compromised.  Here's how to apply for a new card.

ID Theft News
Victims face long road to recovery. Read this article for details.



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