Identity theft insurance is offered by many banks and credit card issuers to help limit the effects of this type of criminal activity. The programs offered vary, but most include an ability to quickly cancel accounts and cancel transactions that were unauthorized. In addition, many identity theft insurance programs provide free credit consulting, access to credit reports with no fee and other benefits. While the benefits of such programs can be very helpful to victims of such crimes, ultimately it can still take months of time to restore one’s good name. And in many cases, people never recoup all of the expenses incurred.

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