1. Credit Monitoring
   • Credit Report and sometimes Credit Score.
   • Credit Monitoring (one or up to all 3 repositories).
2. Re-imbursement
   • Up to some amount of re-imbursement ($25,000 or more) and someone who will work with you to help you do the work necessary to restore our identity.Restoration
3. Restoration
   • Credit Report and Credit Score
   • Daily Credit Monitoring (one up to all 3 repositories).
   • Someone who does the bulk of the work for you (requires a limited power of attorney).

Each individual needs to evaluate their need and financial abilities.  The perfect scenario is to have both but if you can't afford both then you have to decide what criteria is most important to you and your family.

• Since our financial institutions have developed sophisticated fraud department over the past couple of years they have limited your financial obligations for charges.
• However there can be out of pocket expenses repair and the most recent Javelin Strategy and Research survey showed that consumers averaged $691 to clear up a fraud and averaged $1,500 to clear up a theft.
• As a victim you will average 40 hours of your time to repair a fraud and 328 hours to repair a theft.