Premier Members Receive

Identity Theft Protection

Premier Members Receive

AAA Identity Theft Restoration Program

Introducing what is perhaps the most valuable piece of protection you need today – complimentary with your AAA Premier membership.

Any of the nearly nine million Americans a year who have had their personal information stolen can tell you what an expensive and time-consuming process it is to achieve full restoration of “a good name.” From dealing with consumer reporting agencies to any number of governmental agencies, it can take anywhere from 100 to 1,200 hours to resolve the issues created by identity theft.

The AAA Identity Theft Restoration Program is a comprehensive restoration service that helps victims of this intrusive crime get their lives back to normal. It uses licensed investigators with thousands of hours of experience to act on the victim’s behalf, not just as a “counselor,” to rectify the issue.

For victims, this program will:

  • Confirm fraud and identify its starting point or source
  • Investigate known, unknown and potentially complicated trails of fraudulent activity
  • Explain the victim’s rights
  • Make phone calls on the victim’s behalf
  • Issue fraud alerts, and victim’s statements when warranted, with the three consumer credit reporting agencies (Experian, Equifax and TransUnion), Social Security Administration, Federal Trade Commission and U.S. Postal Service
  • Prepare appropriate, effective documentation – from dispute letters to defensible complaints
  • Contact, follow up and escalate issues with affected agencies and institutions, such as banks and credit unions; check clearinghouses; credit card companies; landlords, property managers and mortgage companies; billing services and collection agencies; and car dealerships

In addition, it should be noted that identity fraud is not limited to credit-related schemes. This is why investigators also search for outlying activity in non-credit components. 

Investigators will extend their search to include:

  • Criminal data at federal and state levels
  • State Department of Motor Vehicles records
  • Public records, where fraud-driven liens or bankruptcies could surface
  • Social Security tracking, for fraudulent addresses or status entries
  • Online research sites known mainly to the investigative community
  • Banking and postal records
  • Certain “watch lists” familiar to the security industry
  • Other sources of fraud indicators

While the licensed investigators in this program do most of the work for the victims, they can also provide expert consultative advice for those situations that don’t require restoration services. These services may be provided before (or after) an identity theft occurs.

Consultation services may include:

  • What to do upon receiving a security breach letter indicating personal information has been compromised
  • Best practices and assistance regarding e-mail/phishing and pharming
  • Best practices regarding common schemes and scams
  • Best practices for shopping and communicating online
  • Best practices for the use of Social Security/Social Insurance Numbers and Personal Identifying Information
  • Best practices for financial transactions
  • Best practices for consumer privacy
  • Providing the knowledge for best protection from identity theft using the rights under federal and state law
  • Tactics on how to best safeguard a minor child’s identity
  • Best practices on how to effectively shield a recently deceased family member or friend from identity theft
  • Assistance in the event of a lost or stolen wallet
  • Consumer rights against collection agency abuse
  • Help with interpreting and analyzing credit reports
  • Help regarding a public record inquiry or background search
  • Fraud alert assistance
  • Credit freeze assistance
  • Best practices and assistance regarding e-mail/phishing and pharming
  • Best practices regarding common schemes and scams
  • Education on criminal and medical identity theft