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Restoration
If you suspect you are a victim of identity theft, Talk to an Expert immediately - we'll conduct a quick interview to capture the essential details of your particular situation and you'll be connected with a dedicated Fraud Investigator who will assume overall responsibility for working with you through the restoration process.
During your initial interview with our Experts, you'll be given an option to sign a Limited Power of Attorney (LPoA). While various types of identity restoration services obligate you to personally attend to these matters, a signed LPoA will allow us to work directly with most creditors and other agencies on your behalf. We'll be able to:
- Issue fraud alerts to the national credit bureaus (such as Equifax and TransUnion) on your behalf and work with these agencies to restore your credit rating.
- Where possible, liaise with officials of government offices, creditors, and financial institutions on your behalf to dispute fraudulent accounts.
Our dedicated Fraud Investigator will also:
- Assist in confirming that an identity theft event has occurred and the nature of the fraud.
- Assist in organizing details of the issues; provide a thorough explanation of the process to be undertaken and your responsibilities within this process.
- Assist in reading and understanding the contents of any Credit Reports.
- Assist in gathering and completing paperwork, including police reports.
- Deliver a personalized Identity Theft Package. In addition to providing an explanation of the package contents and a list of key contact numbers, we'll provide details of what to do with the paperwork we've included and where it should be sent. We'll even provide pre-addressed envelopes!
- Provide ongoing follow-up and consultative advice throughout the restoration process... until you're satisfied that the restoration process is complete.
If you prefer to manage the restoration process yourself, you can still draw upon our experts as a resource. Be sure to visit the IDefence Resource Centre to obtain essential identity restoration tool kits.
If one or more of your bank accounts has to be closed as a result of identity theft, IDefence representatives will undertake the following actions:
- We will provide you with free replacement cheques.
- We will provide assistance with the switching of pre-authorized debits and credits to your new bank account.