"Identity Theft Statistics are spinning out of control. Your personal information is on file everywhere and thieves are stealing it to not only establish credit, but they use it for employment, insurance, benefits and social security fraud. It's crucial to have a thorough protection plan that helps minimize your risk, and takes over all the time consuming work if you do become a victim. Other programs offering credit monitoring and fraud alerts only deal with part of the problem. I worked with Zander Insurance to help make sure their program was the most comprehensive and affordable plan available. That's why I bought it for my family, my team members and recommend it for all my listeners and their families."

Identity Theft: Frequently Asked Questions

About Zander IDT Solutions

  • Can I still become a victim of identity theft if I am protected by Zander Identity Theft Solutions?

    While we provide a comprehensive approach to help prevent the occurrence of Identity Theft for our members, no identity protection service can prevent identity theft from happening. Data Breaches and the Internet make it easy for thieves to get our personal information. That's why it is so important to have a plan that offers fully managed recovery services. If you become a victim of identity theft, you will be assigned an expert recovery advocate who will work with and for you to do everything necessary to restore your identity. The identity theft victims who have our program have had a 100% success rate.

  • Why do I need to cover my family for ID theft?

    Every person with a valid social security number is at risk for Identity Theft. Children can be particularly susceptible and are targeted by ID thieves since they often don't detect identity theft until they grow up and apply for credit or a student loan.

  • Who is covered under the family plan?

    The family plan includes your spouse and all dependents up to the age of 26.

  • Do you need my Social Security Number?

    Standard enrollment for the Zander plan we does not require your Social Security Number. If you choose to have your Social Security Number included in your Personal Information Monitoring service, you will be asked to provide upon activation.

  • What happens after I enroll?

    At the end of the enrollment process, you will be instructed to print your Member Benefits and Terms of Service or you can have them emailed to you. Please keep a copy so you can refer to these documents in the future. A welcome letter will come to the email address you provide and will guide you through the benefits of your program. You will also have the opportunity to establish and add your personal information to participate in our Personal Information Monitoring services. The welcome letter will provide the details on how to set this service up.

  • Why does Dave Ramsey endorse Zander Identity Theft Solutions

    Dave endorses our plan, and has bought it for his family and all of his team members. He understands that Identity Theft cannot be prevented and recognizes that our plan is the most comprehensive, effective and affordable program available. Our plan integrates convenient access and reminders to consumer services that help reduce your risk of ID theft and takes over all the work should you become a victim. We not only cover ALL types of identity theft, our recovery specialists are experts and have had a 100% success rate restoring our client's identities to their pre-theft status. In addition, we are the only company to cover family fraud, a growing area of ID Theft.

  • Can your program be offered to a group such as an employer or large association?

    Yes, many employers and associations today recognize the growing threat of identity theft and understand the value of incorporating Identity Theft protection into their employees or membership benefits package. Some businesses choose to offer it to their customers as a way to set themselves apart from their competitors and increase customer loyalty. Zander works with all size employers, associations and businesses across the country and has the flexibility to offer group discounts and simplified enrollment processes. Please click here to find out more about our corporate programs.

Identity Theft

  • What is Identity Theft?

    Identity Theft happens when your personal information, such as your name, social security number, and date of birth, are sued by thieves without your knowledge to commit criminal and fraudulent activity. ID Theft continues to be the fastest growing crime in America affecting over 16 Million people in 2014. Preventing ID theft has become nearly impossible, since your personal information is on file with every government, education, medical, business and personal entity you interact with.

  • How do thieves get my identity?

    Identity theft starts with the misuse of your personal identifiable information such as your name and Social Security number, credit card numbers, or other financial account information. For identity thieves, this information is as good as gold.

    • In addition to the people you know or do business with that could have access to your personal information, skilled identity thieves may use a variety of methods to get hold of your information.
    • Data Breaches. Over 200 million people have had their identities compromised in a corporate data breach since 2005. There is no way to prevent this event from happening.
    • Old-Fashioned Stealing. They steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; and new checks or tax information. They steal personnel records, or bribe employees who have access.
    • Skimming. They steal credit/debit card numbers by using a special storage device when processing your card.
    • Phishing. They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information.
    • Changing Your Address. They divert your billing statements to another location by completing a change of address form.
  • What is synthetic identity theft?

    A synthetic identity is created when personal information is stolen from several victims and is used to create a new "fake?identity. For example, one person's social security number can be combined with the date of birth of another, which will then be used to create an alias.

  • What do thieves do with a stolen identity?

    Once they have your personal information, it is used in a variety of ways.

    • New Account Fraud - new accounts, loans and other credit related accounts are opened in your name.
    • Medical ID Fraud - fraudulent changes that can occur on your medical record can pose as a health risk to you at a later time.
    • Bank Fraud - counterfeit checks, bank accounts or loans can be created in your name.
    • Tax Fraud - someone can file taxes using your name and social security number and potentially receive a refund before you have a chance to file your taxes.
    • Phone or Utilities Fraud - your name could be used for someone to get electricity, gas or cable TV.
    • Employment Fraud - your identity and good credentials could be used for someone else to get a job.
    • Government Documents - Someone can get a driver's license or official ID card, obtain government benefits or file a tax return using your name.
    • Criminal Records - someone could give out your name and social security number when getting arrested.
  • How can I protect my child/children's personal information from ID theft thieves?

    Once you enroll in Zander IDT Solutions, you will be able to proactively monitor your child's information through our Child Information Scan. Our Child Information Scan will allow us to continuously monitor your child's personal information. In addition to the monitoring services, they will also receive our fully managed restoration and $1 million reimbursement should they become a victim of identity theft.

  • What should I do if my personal information and/or personal identification documents have been stolen?

    It is extremely important to safeguard your information to the best of your ability. If you find that your personal information/documents have been stolen, we advise immediate action to begin the process to minimize potential damage.

    • Enroll in Zander IDT Solutions
    • Place a Fraud Alert with credit bureaus (link)
    • Notify banks and credit card companies for all account that may have been compromised
    • Routinely monitor your bank and credit card accounts for fraudulent activity
    • Notify all agencies for which documents have been stolen that document was stolen and replacement needs to be issued.
  • Does my Homeowners Policy cover ID theft?

    Many insurance companies offer an endorsement/rider to their standard policy that allows ID Theft protection to be added. These policies typically focus strictly on reimbursing the expenses you incur which does not address the true risk of ID Theft. Claims under these types of policies are very low since the primary risk of ID Theft is the time and effort that it takes, sometimes years, to restore your identity to the pre-theft status. Some plans will provide limited recovery assistance which offers an information packet related to phone numbers to the credit bureaus, IRS, social security administration, etc. In the end you will still need to take on all the responsibility and frustration of restoring your identity, and dealing with all the legal, financial and other personal challenges.

Personal Information Monitoring

For a complete description of Personal Information Monitoring, click here.

Credit Monitoring

  • Do you offer credit monitoring?

    We recommend that you check your credit report once every four months through annualcreditreport.com. Credit monitoring provides a very limited benefit and we do not believe the cost of credit monitoring services are worth the minimal benefit received. We recommend that you check your credit report once every four months through annualcreditreport.com. We will send you reminders and a cheat sheet on how to read your credit report.

  • Do Credit Monitoring & Credit Alerting programs protect me against identity theft?

    Credit monitoring and fraud alert programs can provide limited assistance in preventing ID Theft. Since they focus on financial related Identity Theft, which represents less than 50% of all occurrences, these programs end up creating a false sense of security. Thieves are using your personal information to gain employment, receive medical benefits, set up utilities, and even commit crimes in your name. None of these events will ever appear on your credit report.

  • Does Zander Identity Theft Solutions repair my credit?

    A recovery advocate will help you recover from an identity theft event by restoring affected accounts and working with the credit reporting agencies to remove fraudulent accounts that can negatively impact your credit rating. These and other actions will help restore your credit rating over time. We are not a "credit repair service" and will not recommend specific actions to improve your credit rating (i.e. consolidating debt, paying bills on time, etc).