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Identity Theft Solutions

About Zander Identity Theft Solutions

What services does Zander Identity Theft Solutions provide?

Our program includes unlimited restoration, proactive education, $1 Million in expense reimbursement and optional internet monitoring. Additionally, we provide access to credit reports, Opt-Out program, Do Not Call Registry, and other free services available to all consumers.

Can I still become a victim of identity theft if I am enrolled in Zander Identity Theft Solutions?

While we provide a comprehensive approach to help prevent the occurrence of Identity Theft, 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 Zander IDT Solutions have had a 100% success rate, which means we have fully restored their identities to the pre-theft status.

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 it often goes undetected until they grow up and apply for credit or a student loan.

Who is covered under the family plan?

With our family plan, you, your spouse or domestic partner, and all dependent children can be included. Children are covered in the family plan up to the age of 26 and you are claiming them as a dependent on your taxes. If you have legal Guardianship or Power of Attorney over another inidual who does not meet the above criteria, they can also be included on your family plan.

Do you need my Social Security Number?

Your social security number is not required at the time of enrollment. If you choose to have your Social Security Number included in your Personal Information Monitoring service, you will provide that info at the time of monitoring activation.

What happens after I enroll?

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 activate your monitoring services. The welcome letter will provide additional details on how to set up this service.

Why does Dave Ramsey endorse Zander Identity Theft Solutions?

Dave endorses our plan, and has purchased it for his family and all of his team members. He understands that Identity Theft cannot be prevented and recognizes that Zander's plan is the most comprehensive, effective and affordable program available. We integrate convenient access and reminders to consumer services that help reduce your risk of ID theft and take over all the work should you become a victim. Our plan not only covers ALL types of identity theft, but guarantees complete restoration of your identity, regardless of how you became a victim. 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. Additionally, we provide protection for your entire family, which includes all dependents. Furthermore, we take care of pre-existing events as long as you had no prior knowledge of the event.

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 an identity theft program into their employee 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. (link)

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 used 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 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 identifying 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: A data breach occurs when a business entity has client or employee records compromised. These compromises can be from someone hacking in to the computer system, an employee accessing/stealing company records they should not have access to, mishandling of company records, etc. These breaches can include company information, employee personal information, and client information. Thieves are stealing our information through malicious data breaches stealing our personal information. From 2005-2014, more than 5,000 data breaches were reported and 675 Million records were exposed.
  • Old-Fashioned Stealing: Thieves steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; and new checks or tax information. They can also break into your car or your home and steal documents with sensitive information on them.
  • Skimming: 'Skimmers' are small electronic devices that can be placed over the card slot of an ATM or gas pump, or even inside the machine. A skimming device records your debit or credit card information and stores it for future use. The thief now has now stolen your debit/credit card information and has access to make purchases fraudulently in your name.
  • Phishing: Phishing is used by thieves to acquire sensitive information such as usernames, passwords, and credit card details (and sometimes, indirectly, money), often for malicious reasons, by masquerading as a trustworthy entity in an electronic communication. Phishing can appear in the form of emails and text messages.
  • Changing Your Address: By filling out a Change of Address form, thieves can have pre-approved credit card offers rerouted to establish new lines of credit in your name.

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.
  • Tax Fraud - Fraudulent taxes can be filed with your Social Security Number allowing a thief to get your refund.
  • 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.
  • Bank Fraud ' Counterfeit checks, bank accounts or loans can be created in your name.
  • Criminal Records ' Someone could give out your name and social security number when getting arrested.
  • Phone or Utilities Fraud - Your name could be used for someone to get electricity, gas or cable TV.

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. This will allow us to continuously monitor your child's personal information and identify if your child's information is being bought or sold online. 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.

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 in a very limited way. These policies typically focus strictly on reimbursing the expenses you incur which does not address the true risk of ID Theft. Many plans have a deductible that must be met before you begin to receive benefits under the plan. 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

How does Personal Information Monitoring work?

Personal Information Monitoring is a pro-active step in detecting the buying and selling of your personal information on the internet.

Am I required to provide all of my personal information?

No, there is no requirement to participate in our monitoring service. You get to choose the information that we are searching for. The more information you provide, the more thorough the search will be.

Can I sign up for the Personal Information Monitoring if I was already a member before the service was offered?

Yes, this service is available to all of our members who currently have active memberships, at no additional cost. Please log in to your account to activate monitoring.

How does Dave feel about Zander IDT Solutions offering monitoring services?

Dave Ramsey feels that monitoring by itself is a waste of money for dealing with Identity Theft. It can be expensive and very limited from a protection perspective. Dave does feel that Personal Information Monitoring coupled with our top quality restoration provides an increased level of service to our members at no additional cost. He agrees that by adding Personal Information Monitoring to our plan, we are enhancing the overall benefit our members receive at an extremely affordable cost.

Credit Monitoring

Do you offer credit monitoring?

Zander Insurance provides access to free credit reports through Annual Credit Report. Credit monitoring provides a very limited benefit. We do not believe the cost of credit monitoring is worth the minimal benefit received. We recommend that you check your credit report through Each credit bureau provides one report annually. We recommend you rotate between them and get one report every four months. You will receive reminders every four months advising on how to obtain report and how to read your credit report.

Do Credit Monitoring & ID Monitoring programs protect me against identity theft?

Credit and ID monitoring programs cannot stop identity theft from occurring. These programs are overpriced for the benefit you receive and have considerable restrictions on what can actually be monitored by a third party. There are many types of identity theft that will not be caught by monitoring services. For example, medical ID theft, tax ID theft, employment ID theft, and government benefit ID theft are all types of ID theft that cannot be monitored by third parties.

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 cannot recommend specific actions to improve your credit rating.



Get ID Theft Protection for less than $7 per month!