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Protect Your
Identity.
Secure Your Credit Score.
And Much More! |
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It's a simple fact that
having good credit is becoming
increasingly important in today's world.
In order for you to
access available credit and low interest rates,
having a good credit score
is an absolute must. Any ding or inaccuracy in your credit can mean hundreds
(or thousands) of dollars in extra interest (or even worse, you might not qualify for
the loan at all).
Of course, there's a much greater
downside than just higher interest rates.
And that's the actual loss
of your personal identity... or identity theft.
Because credit is so
important, cyber thieves (criminals that specialize in stealing
your identity through computer networks) have a large pool to
choose from, and it's getting bigger everyday.
Identity thieves have been known to sell personal information
(social security numbers, mother's maiden names, home addresses,
etc.) on the black market for as little as $5 a pop!
By now, you have probably heard
some of the statistics regarding identity theft and credit scores, but
if not, they are definitely worth repeating: |
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Almost 10 Million
Americans were the victims of identity theft in 2008
- Javelin Strategy and Research Center
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78% of American
households, about 91.1 million, had one or more credit
cards at the end of 2008 - creditcards.com
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Most Americans have spent about 300
million hours in resolving the arising issue which is
related to identity crime cases -
business-ethics.bestmanagementarticles.com
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The average American
consumer has 13 revolving debt cards including credit,
gas, store charge, and student loans -
ezinearticles.com
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Even our Government gets nabbed! In 2008, the Federal Reserve Chairman, Ben Bernanke, and his wife became
victims of identity theft, when fraudulent checks were being cashed from their personal checking account.
Said Ben Bernanke: "Identity theft is a serious crime that affects millions of Americans each year. -
Newsweek, August 25, 2009
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The good news is that there are
programs designed to help eliminate most, if not all, of these
concerns.But the bad news is that
rarely does a program combine all these concerns into one, easy-to-manage, plan... Until
now!
The Identity Theft & Security Package gives you four complete benefits that
revolve around identity theft prevention and security... Spearheaded by LifelockTM, these
benefits include Identity Theft Protection, Credit Score
Repair, Legal Representation,
and 24/7 Emergency Roadside Assistance.
In the past, it's always been that one company offers identity theft protection,
while another company offers credit repair.
This forces you to purchase
at least two separate plans, with at least two separate billing structures, and
at least two different terms of agreements.
But it doesn't have
to be this way. Act now, and. . .
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Don't Become the Next Victim!
Use this Benefit Package to
Prevent Identity Theft, Protect Your Credit, and So Much More! |
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Identity Theft &
Security
Package contains... |
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LifeLockTM ID Theft Protection |
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Credit
Report Services |
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24/7 Roadside
Assistance |
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Free &
Discounted Legal Care |
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$19.40/month
(Family)
$15.40/month
(Individual)
*Both packages have an
additional $7.95,
one-time application fee |
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Package price includes: |
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Immediate use of All Benefits.
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No Annual Contract!
Payments are made on a month-to-month basis,
which gives you the ability to cancel at any time.
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30-Day Free Trial.
Cancel within 30 days of your membership
and receive a full refund. |
*FL, LA, ND, OK, SC, SD and TX residents: Member shall receive a full refund of membership fees, excluding registration fee,
if membership is cancelled within the first 30 days after receipt of membership materials.
*MD Residents: The membership fee and one-time registration fee
(minus $5.00) will be refunded if cancelled within the first 30
days and upon return of the discount card.
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For a more detailed explanation of benefits,
please scroll down.
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LifeLock ™
Over 10
million Americans will be victims of identity theft this year. LifeLock
TM is
the leader in proactive identity theft protection, protecting over 1
million members nationwide. LifeLock
TM is a proactive service that works to
reduce the risk of identity theft and backs it up with a $ 1 million total
service guarantee, in the event your identity is compromised.
LifeLock
TM
requests free fraud alerts with the major credit bureaus on your behalf
and then renews them every 90 days. LifeLock
TM also requests a copy of
your free annual credit report, which will be sent directly to you.
LifeLock
TM also helps reduce junk mail and removes you from the pre-approved
credit offer lists.
LifeLock’s
WalletLock™ service is also included with your membership.
If
you lose your wallet, a WalletLock specialist will help contact each
credit card, bank or document issuing company, cancel your affected
accounts and complete the paperwork and steps necessary to replace your
lost documents (excluding money and pictures), including your credit/debit
cards, driver’s license, Social Security card, insurance cards, checkbook
– even travelers checks - at no additional cost to you.
LifeLock’s
eRecon™ service also works to protect you by searching criminal websites
for online selling and trading of your information and notifying you if
anything is found; and TrueAddress™ will notify you when a change of
address is filed in your name.
Highlights
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Free Fraud
alerts are requested on your behalf to the major credit bureaus - when
anyone tries to use your credit the merchant is advised to take extra
precautions to verify it’s you and only you making the request. -
A reduction
in junk mail. -
Fewer pre-approved credit card solicitations. -
WalletLock™ assists you in the event your wallet is lost or stolen. -
eRecon™ searches for your information being sold or traded online. -
TrueAddress™ notifies you when a change of address is filed in your
name. -
$1 million total service guarantee – if your identity is stolen while you’re a
client, we will do whatever it takes to recover your good name and spend
up to $1 Million to do it.
FAQ's about
LifeLock
TM
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| Now that your identity is safe, what do you if fraudulent charges are destroying
your credit score?
This may not be a surprise, but Bureaus and Creditors may not
have a your best interest in mind when dealing with inaccurate info.
But with Credit Copilot, you now have access to the appropriate technology
which can quickly rectify incorrect credit scores.
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Credit CoPilotTM:
Credit Management Solutions
Credit CoPilot TM
provides members with unparalleled access to advanced financial planning,
debt management and credit analysis tools that go beyond simple credit
reporting, dispute resolution or debt payoff calculations.
For starters, we work with you and the credit agencies to
help eliminate inaccurate or improper items on your credit reports. We
also help you manage annoying creditors, move toward becoming debt-free,
and start saving for the future with dedicated planning and analysis
tools.
Unlike credit repair "agencies" that advertise their service to magically remove negative entries from your credit reports,
Credit Copilot TM believes in complete transparency and compliance with the laws and regulations
of the credit industry. They give you the tools and guidance on how to remove factual inaccuracies, correct entries and assure
compliance with the laws designed to protect you as the consumer.
Highlights
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Financial management, analysis and planning tools for
evaluating impact of credit and debt on your short and long term plans -
Direct access to all 3 credit reports with centralized
dispute console -
Professional dispute and inquiry letters coupled with
paperless processing -
Seamless workflow for dealing with multiple agencies,
creditors and disputes -
Educational tools for understanding your credit, your
legal rights and various options available to you
Credit CoPilot
TM
is much more than a simple system for reviewing your credit reports. If
helps you organize, classify and act on the information that may be
contained in any of the three credit reports.
It arms you with the
knowledge and tools necessary to maintain accuracy of the reports. It
takes you even further with proprietary worksheets and “what if”
simulators that will help you analyze your finances, create actionable
plans and evaluate your progress along the way.
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| It's always important to keep in mind that while cyber theft is on the rise,
not all personal attacks occur in "cyber space."
And good legal representation is something most people wish they had, but rarely ever get.
Just look at this statistic:
As part of the Identity Theft and Security Benefits Package,
you also receive various legal care representation through
Legal Care Direct.
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Legal Care Direct
This
legal benefit is provided by a nationwide discount legal referral service.
Attorneys in this network have an average of 19.4 years of experience, and offer you a diversified line of free
and discounted programs in the legal fields of
taxation, identity theft, financial issues, and personal counseling.
Each of these programs can be customized
to fit your needs, and are some the most comprehensive of their kind. Legal Care Direct has a
high degree of technical sophistication, back office expertise and first class customer
service and support.
It's almost like having a lawyer on retainer.
Legal counseling is available to you, 24 hours a day, and 7 days a week.
A lot of "common" services are completely free as part of the membership.
If it's more complicated, the legal rates are greatly discounted,
and the attorney fees are capped at a certain per/hour charge.
Highlights
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A nationwide network of over 20,000 attorneys -
Plan attorneys will either charge $125.00 per hour, or when appropriate, give
members a 40% discount off their usual and customary hourly rate
Nine (9) Free Services which include:
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Unlimited initial phone consultations for new legal matters
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Initial one-on-one consultations for new legal matters
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Attorney review of independent legal documents (6 page max.) per new
matter
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When appropriate, network attorneys will write letters on member's
behalf
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When appropriate, network attorneys will make phone calls on member's
behalf
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Assistance in solving problems with government programs such as welfare
and INS
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Assistance with small claims court representation
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Free simple will with annual updates
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Additionally, members have online access through the Legalclub.com
website to prepare a free living will (advance healthcare directive)
Capped fees* on eight (8) commonly used legal services, which include:
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Traffic Ticket
Defense |
$ 89.00 |
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Name Change |
$ 155.00 |
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Real Estate
Closing |
$ 250.00 |
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Chapter 7
Bankruptcy |
$ 750.00 |
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Simple Divorce |
$ 275.00 |
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Simple Will with
Trust |
$ 250.00 |
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Non-support
(spouse/child) |
$ 275.00 |
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Regular
Incorporation |
$ 295.00 |
Prices are subject to change without notice and may vary by region.
*Costs and filing fees additional, specific definitions apply.
Here are some
examples of savings that the Legal Care Direct plan
can get for you.
Legal Care Direct Statistics
FAQ's about
Legal Care Direct
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And lastly, with vehicle traffic increasing from year-to-year, and
car troubles on the rise, nothing is more important than having complete,
24 hour emergency roadside assistance. So enjoy! And take your car on the road knowing you have
24/7 vehicle support in all 50
States and Canada!
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24 Hour
Automobile Roadside Assistance
Roadside Assistance is available 24 hours a day, 365 days a year to assist
you when owned or leased vehicles are disabled as a result of
unavoidable circumstances. You only have to pay for any
non-covered expenses or covered costs in excess of the 15 miles per
occurrence maximum.
Coverage is extended to you, your spouse, and
dependent children up to 21 years of age permanently residing at
registered address when driving any vehicles that they own or lease for 12
months or longer.
Highlights
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Available 24 hours a day, 365 days a year -
Up to 15 miles towing (up to $80 retail value) per occurrence maximum for
covered charges -
Covers Member, spouse and dependent children up to age 21 permanently
residing at registered address when driving any vehicles they own or
lease (12 months or longer) -
Towing Assistance -
Flat Tire Assistance -
Fuel, Oil, Fluid and Water Delivery Service -
Lock-out Assistance -
Battery Assistance -
Collision Assistance
FAQ's about 24 Hour Automobile Roadside Assistance
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| When it's all said and done, these four benefits make up the Identity Theft
and Security Package... And this is the goal of Helpful Benefits.com: To help clear-up the air, eliminate the clutter,
and offer you some of the best solutions for today's biggest problems.
The fact that these separate programs can be
grouped into one plan, allows you to receive
the significant discounts that you deserve. Not only in the premiums, but in the
products and services as well. Saving you
hundreds, and sometimes thousands, of dollars per year.
So why not give the Identity Theft and Security Benefits Package a try? Remember, the individual plan is only $15.40/month, and the
family plan is only $19.40/month.
There is no annual contract, and you are free to cancel at anytime.
Give us a shot. We think you'll really be glad that you did. |
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All 4 Benefits are included in this single
plan! |
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$19.40/month |
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$15.40/month |
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Plus a $7.95,
one-time application fee |
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Plus a $7.95,
one-time application fee |
DISCLOSURE: THIS IS
NOT INSURANCE, NOR IS IT INTENDED TO REPLACE INSURANCE
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