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BFR SecurID Description Guide

Service dESCRIPTION

BFR SecurID is a comprehensive service that provides expert guidance and protection in response to a host of life events. The mission of the Resolution center is to restore a person’s identity to pre-event status. We accomplish this through various service features. Our support is intended to facilitate the resolution of any impact experienced to a person’s identity, financial accounts, privacy and reputation.

We guide subscribers in managing a potential identity theft event, where misuse has not been identified, to ensure identity and financial information are protected. We provide proactive monitoring of credit, public record data bases, cyber, web and criminal sites to identify any potential fraudulent actions which impact the subscriber’s identity or financials. Subscribers are notified of any changes.

The following describes each of the service features is delivered. In all instances the Resolution Center provides education via Resolution Center Tips and Knowledge Center resources including “Protect Yourself Tips”.


Proactive Services

When financial or identity documents have been lost and no fraud usage of accounts has occurred, the resoluton center provides assistance in payment card and document replacement and education to mitigate impacts.
  • Assistance in placing a fraud alert on the victim’s credit file to deter identity thieves from opening new accounts
  • Provide guidance in replacing stolen documents such as birth certificates, driver’s licenses, passports, and tax documents
  • Assist in filing police reports

Resolution Services

Personalized, one-on-one assistance is provided to help restore an individual’s identity. The Fraud Specialist facilitates the entire notification and documentation process including:
  • Placing fraud alerts, notifying creditors/agencies, replacing financial / identity documents,
  • Filing identity theft expense reimbursement insurance (if applicable).
  • Follow-up call six months after resolution to ensure no further fraudulent activity has surfaced.
When personal data has been compromised, a Fraud Specialist acts swiftly to safeguard identity and help prevent further damage. Depending on nature of the compromise, victims may receive one year of free credit or fraud monitoring.

Breach Victim Notification

Provide guidance in explaining the external communication and remediation offered to protect the data breach victim.
  • Guide victim thru the breach notification and remediation offered.
  • If needed, assist in the placement of a fraud alert.
  • In the event of fraud, if the individual is not receiving satisfactory services through the recommended event remediation services, resolutions services would be provided. (Credit monitoring may apply.)

ID THEFT

Medical ID Theft

Proactive tips and education for protecting identity, financial, insurance, medical history or insurance information, claims or reimbursement. Assistance in guiding path for correcting fraudulent misuse.
  • Assist in facilitating the detection and correction of fraudulent entries to patient medical records
  • Provide guidance in resolving fraudulent claims and billings with doctors, hospitals and often-relentless collection agencies
  • Assist in facilitating the correction of errors to medical records
  • Assist in recovering missing medical records and bills
  • Assist in the placement of preventative measures, which may include fraud alerts, security freezes, and/or credit monitoring
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Tax ID Theft

Tax related events (income tax filings, refunds) which involved fraudulent use of social security number within tax filings.
  • Determine and verify if the individual is a victim of identity-related tax fraud
  • Provide guidance in assisting in providing the IRS with claims and documentation and in correcting tax records
  • Prevent future identity theft by assisting in requesting to have an identity theft marker placed on the individual’s files (may cause a delay in receiving refund)
  • Assist in resolving tax-filing issues so victim may receive the applicable tax refund

Employment or Criminal ID Theft

In the event where an individual’s identity is used to obtain employment or has been falsely linked to crime, provide assistance in guiding through the resolution of restoring identity.
  • Assist with contacting governmental agencies to investigate and restore the individual’s identity
  • Assist in the placement of preventative measures which may include fraud alerts, security freezes, and /or credit monitoring

Financial ID Fraud

Provide assistance and resolution when an individual’s financial information has been lost, stolen, experienced account takeover or fraudulently used, including situations where financial information is incorrectly linked to outstanding collection debt of another individual.
  • Assist in directing to applicable government agencies, credit companies to rectify and restore the individual’s identity.
  • Assist in placement of fraud alerts to help impede new credit-related crime from happening again
  • Provide education about debt tagging, what it is and the impacts
  • Review credit reports to determine if an individual is a victim
  • Follow-up call six months after resolution to ensure no further fraudulent activity has surfaced.

THINGS HAPPEN

Travel

Assistance in protecting identity related information when planning or during actual travel plans. Includes proactive tips, education and assistance with replacement of missing identity or financial documents.
  • Assist in replacing documents while travelers are still away from home, enabling them to return home
  • Assist in alerting appropriate institutions about the potential for fraud
  • Resolve any identity theft issues that crop up later from missing travel documents, minimizing damage and getting people back to their lives

Break In

Provide guidance and identity management assistance in response to a break-in.
  • Assist in protecting identity after break-in
  • Provide guidance in replacing stolen documents such as driver’s licenses, Social Security cards, birth certificates, tax documents, financial papers, passports and more
  • Assist in filing police reports
  • In the event of identity theft or fraud, begin the process of identity resolution, minimizing damage and getting people back to their lives

Disaster

Provide identity management assistance, when preparing for the protection of identity /financial/privacy documents pre or post- disaster.
  • Guide victims through the recovery process of replacing driver’s licenses, Social Security cards, birth certificates, tax documents, financial papers and more
  • Assist in protecting identity pre- and post-disaster
  • In the event of identity theft or fraud, begin the process of identity resolution, minimizing damage and getting people back to their lives

Document Replacement

Assistance in protecting identity related information when important documents are lost. Includes proactive tips, education and assistance with replacement of missing identity or financial documents.
  • Assist in replacing documents
  • Assist in alerting appropriate institutions about the potential for fraud
  • In the event of identity theft or fraud, provide proactive and resolution services, minimizing damage and getting people back to their lives

Child Risk

Proactive tips and education for managing and protecting child’s identity.
  • Check to see if credit files exist in the child’s name. (Minors should not have credit files)
  • Help remove fraudulent entries on credit reports
  • Assist in freezing the child’s files until the child turns 18 years of age (with parental approval and assistance)
  • Provide education on protecting child’s identity and privacy information

Military

Provide tips, education and resources for pre, during and post deployment for protecting and managing identity and financial information. Military alerts, LPOA, etc.
  • Educate on protecting their identities and privacy during out-of-country deployment assignment
  • Assist in placing an active-duty fraud alert on credit file.
  • Assist in opting out of mailing lists and pre-approved credit offers
  • Provide guidance and assistance in replacing stolen or missing personal documents and identification.

Assisted Living

In those instances when legal guardianship or power of attorney is needed for the day-to-day care of a loved one, the resolution center provides guidance in assisting with the individual’s identity management and resolving any fraudulent misuse
  • Education and guidance in protecting the individual’s personal identifiable information (PII) and privacy data with caregivers, contracted services, medical, financial accounts, etc.
  • In the event of identity theft or fraud, provide resolution services, minimizing damage and getting people back to their lives
  • If needed, assist in placing a freeze, fraud alert or credit monitoring to prevent new credit

Estate

Proactive tips for protecting decedent’s identity and financial information i.e. death certificate, credit file, social security and financial accounts.
  • Provide assistance to bereaved in directing to applicable resources for collecting vital documents, notifying credit issuers, clarifying credit account and stopping direct-mail and email solicitations
  • In the event of fraudulent misuse of decedent’s identity or financial information, provide resolution services.

Email Compromise

Guidance provided to assist in identifying potential impacts to identity, privacy or reputation and best practice identity management within email usage.
  • Provide assistance with the recovery of the compromised account
  • Provide assistance to analyze exposure of personal data and associated risk
  • In the event of identity theft or fraud, provide proactive and resolution services, minimizing damage and getting people back to their lives
  • If needed, assist in placing a freeze, fraud alert or credit monitoring to prevent new credit.
  • BFR SecurID does not provide technical support

Social Media

Guidance in use of Social Media in privacy settings, communications, posting, profile management.
  • Provide assistance with the recovery of the compromised account.
  • Provide assistance to analyze exposure of personal data and associated risk
  • In the event of identity theft or fraud, provide resolution services, minimizing damage and getting people back to their lives.
  • If needed, assist in placing a freeze, fraud alert, or credit monitoring to prevent new credit.

System Compromise

Guidance to individuals who have reason to believe that their system may have been compromised. It would include the resolution center having a basic understanding of the security functions surrounding personal computers and what direction to recommend to the subscriber based on their circumstances (i.e. anti-virus vs. servicing). This includes PC, Mac, and tablets. Any potential identity exposure is handled through our normal services
  • Guidance on resources to protect systems.
  • In the event of identity theft or fraud, provide proactive and resolution services
  • Assistance with placing a freeze, fraud alert, or credit monitoring.
  • BFR SecurID does not provide technical support.

Phish Assist

Providing assistance to determine if an email is “phishing”. Phishing is an attempt to acquire an in individual’s private, personal or financial information by masquerading as “what appears to be a trustworthy entity” within an email communication. At this time, email communication is the only aspect within enhancement.
  • Provide tips and education on phishing warning signs and review of suspicious communications.
  • When applicable, assist in placement of freeze, fraud alerts and credit monitoring
  • BFR SecurID does not provide technical support.
  • Provide additional assistance based on method of contact – Email, Social Media, etc.

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