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• Are you aware that Identity theft is the number one crime in America?
• Did you Know Identity fraud is estimated to increase over 1000%?
• Are you a homeowner or preparing to be one?
• Do you carry more than one credit card?
• Has your marital status changed?
• Do you receive pre-approved credit offers in the mail?
• Do you destroy all personal information before discarding?
• Do you find it troubling that commissioned sales people can sit across a desk and view your credit report yet not allow you to view your own personal information?
• Have you ever been turned down for credit?

If you answered yes to any of these questions then StreetSmart is the place to start to protect you and your family’s financial well being.

What is Identity Fraud?

Identity fraud is exactly what it sounds like. Someone literally steals your identity and uses it for personal gain.

Usually what happens is that a criminal acquires a certain amount of personal information such as driver's license numbers, social security numbers, credit card and/or bank account numbers, as well as birth certificates and passports. Once obtaining this information, the thief is then able to commit various forms of fraud. The identity thief will open new accounts in the victim's name, apply for loans or credit cards under the assumed name, divert the victim's mail, rent apartments, lease cars, and much more. Once an identity thief starts using a victim's personal information they usually won't stop until the victim's credit is completely ruined, the credit is flagged, or they are caught. Unfortunately, the latter rarely occurs before the former two have happened, if at all.

How serious is it?

Identity Fraud is very serious business. It certainly is to the criminals, it should be to you as well.

Think about this:
MasterCard indicated that dollar losses relating to Identity Fraud represented about 96 percent of its member banks' overall fraud losses of $407 million in 1997.

It is estimated that there are 400,000 victims a year of Identity Fraud.

Investigations of financial crimes involving Identity Fraud totaled $442 million in fiscal year 1995, $450 million in fiscal year 1996, and $745 million in fiscal year 1997.

U.S. officials are now describing Identity Theft as "the fastest growing crime in the nation," having identified it as "the leading form of consumer fraud."

The average financial loss to a victim of Identity Fraud is estimated at $36,000.

In many states, Identity Theft is not against the law!

What is StreetSmart and how can it help my Family and me?
StreetSmart is a comprehensive service and guide designed to keep you well informed and help you guard your personal information. StreetSmart members will receive a host of services and benefits. Designed to educate and simplify the process consumers must go through in order to ensure the accuracy and privacy of their credit related information.

Biannual copies of your credit report;
As a StreetSmart member you will automatically receive biannual copies of your credit report. Your credit report refers to a consumer credit file designed to give lenders a picture of your credit history. Credit reports are generally the most important piece of information used to determine your credit worthiness and the interest rates you receive. Dispute forms and credit report revisions; StreetSmart provides you the appropriate forms needed to change mistakes which may be found on your credit report. StreetSmart shall also ensure that once members have disputed an inaccuracy on their report that they shall automatically receive an updated report showing the proper changes have been made.

Watch Program;
StreetSmart is the first service in America to provide its members Automatic notification of the establishment of new accounts in their name. Anytime a new account is opened in your name and reported to the nations largest credit-reporting agency, Trans Union, StreetSmart shall automatically notify you of the change. This service is revolutionary in helping consumers catch identity theft occurrences and mistakes as they happen.

Address change notification;
Utilizing the watch program Streetsmart shall notify you of any address changes reported on your credit file to Trans Union. This service will help prevent identity thieves from rerouting your current accounts to an unknown addresses in an attempt to utilize your credit without your knowledge.

Social security records search;
As a StreetSmart member you will be provided the proper forms to receive a copy of your social security earnings statement. This statement will provide you a complete overview of your life’s work history. This history will allow you to ensure that your earnings have been reported properly and also to ensure that you are the only person working under your social security number.

Medical records search;
StreetSmart provides you the needed information to request the proper forms necessary to receive a copy of your medical information report. Most insurance companies utilize this report to determine your insurance rates and eligibility.

Security Labels;
As a StreetSmart member you will receive security labels to warn thieves that your credit cards are registered with StreetSmart.

Household Inventory, document and valuables registration;
Streetsmart members may register copies of any important documents (i.e. wills, deeds, insurance policies, titles, etc.) and the serial numbers of any valuable possessions (i.e. televisions, VCRs, cameras, etc.). This service could prove to be invaluable in the event of an emergency or disaster.

Collectively, StreetSmart is perhaps the most comprehensive way to stay informed of your personal information and protect your good name.

StreetSmart is committed to you and to the ever-changing needs of the consumer. Rest assured that all of us at StreetSmart are vowed to continually improve the services and benefits, which StreetSmart provides to its members.

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